I 



wsu 




RATES 




Book .IS-rCfc 



Manual of 

Compensation Insurance 



RULES AND RATES 
FOR CALIFORNIA 



ADOPTED BY THE 

STATE COMPENSATION INSURANCE FUND 



EFFECTIVE JANUARY, 1914 



Friend Wm. Richardson, Supt. State Printing 

sacramento, california 

19 13 



fl. fit & 

JAN 22 1914 



I9i d 



A> 







INDEX TO RULES. 



Page. 

Additional Interests 14 

Bakers, Confectioners, etc., 

Schedule— Rules 16 

Chauffeurs 11 

Chemical, Paint and Drug 

Schedule — Rules 17 

Clerical Office Employees 8 

Coach, Carriage and Wagon 

Schedule — Rules 19 

Contractors' Schedule — Rules. _ 21 

Draughtsmen 8 

Electric Schedule — Rules 48 

Elevators 15 

Executive Officers 6 

General Instructions 3 

General Notice 3 

Leather and Shoe Schedule — 

Rules 50 

Limited and Unlimited Insur- 
ance 13 

Lumber Schedule — Rules 53 

Meat Packing -House and Stock 

Yard Schedule — Rules 55 

Medical Aid 5 

Metal Schedule — Rules 56 

Milling Schedule — Rules 70 

Minimum Premiums 12 

Mining (except Coalj Schedule — 

Rules 71 

Miscellaneous Schedule— Rules. 73 
Oils, etc., Schedule— Rules ___ 87 
Ore Reduction and Concentra- 
tion Schedule — Rules 89 

Paper Schedule— Rules 90 

Pay Roll 5 

Pottery and Glass Schedule — 

Rules 94 

Printing Schedule— Rules 97 

Rates 4 

Residences, Farms and Estates 14 
Rubber and Composition Goods 

Schedule — Rules 98 

Stevedore Schedule— Rules ___ 99 

Stone Schedule— Rules 101 

Teams g 

Textile Schedule— Rules 104 

Tobacco Schedule— Rules 109 



Page. 

Vessel Schedule— Rules 110 

Warehouse and Store Schedule — 

Rules 111 

Wood Schedule — Rules 120 



Abdominal Truss Mfrs 74 

Absorbent Cotton Mfrs. 104 

Acetylene Gas Machine Mfrs.__ 56 
Acetylene Gas Tank Charging 

Stations 74 

Acid Mfrs. (not otherwise classi- 
fied) 17 

Adamant Plaster Mfrs. 101 

Adding Machine Mfrs. 56 

Adding sugar to cocoa by means 

of automatic mixer, etc 16 

Additions to, alteration and 
repair of assured's existing 

buddings 22 

Advertising Novelties and Signs 

Mfrs. 74 

Advertising Sign Mfrs. — erec- 
tion and repairing only 22 

Aerated Water Mfrs. 17 

Aerated and Soda Water Ap- 
paratus Mfrs. 56 

Aeroplane Mfrs. 56 

Agate and Enamel Ware Mfrs. 56 

Agricultural Implements Mfrs._ 74 

Agricultural Implement Stores. Ill 

Alcohol and Acetic Acid Mfrs. 17 

Alum Mfrs. 17 

Aluminum Smelting 89 

Aluminum Ware Mfrs. 57 

Ammonia Mfrs. 17 

Analytical Chemists and As- 

sayers 17, 74 

Anchor Mfrs. 57 

Aniline and Alizarine Mfrs 17 

Annunciator Mfrs. 57 

Apartment Hotel and Hotel 

Apartment 111 

Apartment Houses 111 

Appraisers of Buildings and 

Machinery ' 74 

Architects, supervising 22 



Page. 
Arms (heavy ordnance) — erect- 
ing 22 

Arms (heavy ordnance) Mfrs._ 57 

Arms (small arms) Mfrs 57 

Arsenic Mfrs. 17 

Artesian Well Drillers 22 

Artificial Feather and Flower 

Mfrs. 101 

Artificial Limb Mfrs. 74 

Artists, Designers, Proof-read- 
ers, Editors, etc 97 

Asbestos Goods Mfrs. 74 

Asphalt Layers 22 

Asphalt Works 74 

Assayers and Analytical Chem- 
ists 17 

Asylums 111 

Athletic Clubs 111 

Auctioneers 111 

Auditors, Accountants and Sys- 
tematizes 74 

Autogenous Welding 22 

Autogenous Welding (shop only) 57 
Automatic Slot or Vending Ma- 
chines, Mfrs. of 57 

Automatic Sprinkler Mfrs. 57 

Automatic Sprinkler Mfrs. (in- 
stallation of) 22 

Automobile Mfrs. 19 

Automobile Engine Mfrs 57 

Automobile Frame Mfrs. 57 

Automobile Lamp Mfrs. 57 

Automobile Radiator Mfrs. 57 

Automobile Salesrooms 74 

Awning and Tent Mfrs 74 

Awning and Tent Fabric Mfrs. 104 

Axe Mfrs. 57 

Axle (metal) Mfrs. 57 

Axle (wood) Mfrs. 19 

Axle Grease Mfrs. 87 

B 

Babbitt Metal Mfrs. 57 

Baby Carriage Mfrs. 19 

Badge (metal) Mfrs. 57 

Badge (silk or worsted) Mfrs.- 104 

Bag (burlap sacking) Mfrs 104 

Bag Mfrs. (sewing only) 104 

Bag Mfrs. (paper only) 90 

Bag Mfrs. — traveling, portman- 
teau and valise 50 

Bakers (bread, biscuit and 

cracker) 16 

iv 



Page. 

Baking Powder Mfrs. 16 

Barbers 111 

Barbers' Supplies (including 

furniture Mfg.) 120 

Barbers' Supplies (no Mfg.)___ 111 
Barge and Canal Boatmen — 

crews only 110 

Bargemen and Lightermen 110 

Bark Mills 53 

Bark Peeling _~ 53 

Barrel Mfrs. 120 

Barrel (wood veneer) Mfrs 120 

Barytes Mfrs. 101 

Baseball Mfrs. 50 

Baseball (bat) Mfrs. 120 

Basket Mfrs. 120 

Bathing House employees 111 

Baths 111 

Batteiy (storage) Mfrs. 58 

Bean — sorting and picking 74 

Bedstead (metal) Mfrs. 58 

Bedstead (not metal) Mfrs 120 

Bedsteads (metal) assembling- 58 

Bee Hive Mfrs. 120 

Beet Sugar Mfrs. 75 

Bell Foundry 58 

Bellows Mfrs. 120 

Bells, installation of 22 

Bent Wood Mfrs. 120 

Benzine Mfrs. 17 

Bicycle and Bicycle Parts Mfrs. 58 

Bill Posters 22 

Billiard and Bowling Halls 111 

Billiard Table Mfrs. 120 

Black Lead Mfrs. 75 

Blacking (shoe) Mfrs. 75 

Blacksmiths 58 

Blast Furnaces 89 

Blast Furnaces — erecting and 

repairing 23 

Blasting 23 

Bleacheries 104 

Bleaching Powder Mfrs. 17 

Block (pulley) Mfrs. 120 

Boat Builders 23 

Bobbin and Spool (wood) Mfrs. 120 

Boilermakers 58 

Boiler Scalers 23 

Boilers (steam) — installation of 24 
Boilers, taking from one place 

to another _ 24 

Boiler Preservative Compounds 

Mfrs. 17 



Page. 

Bolt and Nut Mfrs 58 

Bond Paper Mfrs. 90 

Bone Workers 73 

Bone and Ivory Turners 75 

Bonnet Frame Mfrs. 101 

Bookbinders 97 

Boot and Shoe Mfrs 50 

Boot and Shoe Machinery Mfrs. 58 
Boot and Shoe Pattern Mfrs.__ 50 

Borax Mfrs. 17 

Bottle Mfrs. 94 

Bottlers (bottling under pres- 
sure) 75 

Bottlers (second hand), deal- 
ers in 111 

Bottling Works (no bottling 

under pressure) 75 

Bowling Halls 111 

Box Mfrs. — Cigar 53 

Box Mfrs. — no machinery- 53 

Box Mfrs. — paper 90 

Box Mfrs. — steam 53 

Box Mfrs. (wire bound) 53 

Braid Mfrs. 104 

Brass Foundry 58 

Brass Goods Mfrs. 58 

Brass or Copper — rolling sheets, 

etc. 58 

Breweries 75 

Brewery Yats within breweries 

(installation of) 21 

Brick Mfrs. 94 

Bridge Building 24 

Bridge Works 58 

Bristol Board Mfrs. 90 

Broom Mfrs. 120 

Brush Mfrs. 120 

Buffing Wheels Mfrs. 75 

Building and Roofing Paper 

Mfrs. 90 

Building — office or mercantile, 

janitors' work, etc 24 

Building Material Dealers — no 

second hand materials 73 

Building Material Dealers — 

second hand materials 75 

Building Movers 24 

Building raising, shoring, etc.. 24 
Buildings— Portable— erection of 24 

Bunting Mfrs. 104 

Burlap and Sack Mfrs 104 

Butchers — stores 111 

Butchers' Supplies Mfrs. 75 



Page. 
Butchers' Supplies (no Mfg.)__ 112 

Butter and Buttering Mfrs 87 

Button (celluloid) Mfrs. 98 

Button (metal) Mfrs. 58 

Button Mfrs. (not metal or 
celluloid) 75 



C 
Cab Companies — stable hazard 

only 75 

Cabinet Work 24 

Cabinet Works 121 

Cable (electric) placing in sub- 
ways 21 

Cable (wire) Mfrs. 58 

Cables — insulation of, for elec- 
trical purposes 75 

Caisson Work 25 

Calico Printers 104 

Camphor Mfrs. 17 

Can Mfrs. 38 

Canal Excavating 25 

Canal Lock Construction 25 

Candle Mfrs. 87 

Candy Mfrs. 16 

Cane (walking) Mfrs. 121 

Canneries (no can Mfg.) 73 

Canoe (wood) Builders — shop 

only 121 

Canvas Belting Mfrs. 104 

Caps, Mfrs. of, cloth only 105 

Capsule (gelatine) Mfrs. 17 

Car (railroad) Mfrs. (no steel 

cars) 19 

Car Wheels Mfrs. 58 

Carbide of Calcium Mfrs 80 

Carbon Mfrs. (not electro-chem- 
ical process 75 

Carbon Black Mfrs. 75 

Carbon Paper Mfrs. 90 

Carbonic Acid Gas Mfrs 17 

Carborundum Mfrs. 89 

Carbureter Mfrs. 58 

Card Clothing Mfrs. 59 

Card Board Mfrs. 90 

Carding and Fulling Mills 105 

Carpenters (shop only) 121 

Carpenters — away from shop 25 

Carpet Mfrs. 105 

Carpet Cleaning or Beating 

Works 75 

Carpet Lining and Pads Mfrs. 90 



Page. 
Carriage, Coach and Wagon 

Mfrs. (assembling only) 20 

Carriage, Coach and Wagon 

Mfrs. (not R. R. Cars) 19 

Carriage Dashes and Carriage 

Tops Mfrs. (not wooden) 59 

Carriage Repositories and Sales- 
rooms - 112 

Carriage Wood Work Mfrs 121 

Carrier Systems, inside of mer- 
cantile building 25 

Cartridge Mfrs. 75 

Cash Register Mfrs.- 59 

Cast Iron (pipe) Mfrs 59 

Castor Oil Mfrs. 87 

Caterers _. 75 

Cathedral and Art Glass Win- 
dow Mfrs. -_ __ 94 

Cattle Dealers .____ :__ 55 

Cellar Excavation 25 

Celluloid Mfrs. 98 

Celluloid Goods Mfrs. 76 

Cellulose Mfrs. 76 

Cement Mfrs. 102 

Cement Mfrs. and Quarrying.. 102 

Cement, Slate or Lime Quarries. 102 
Cement Workers finishing floors 

and walls 26 

Cemetery Companies 76 

Chain Mfrs. 59 

Chair Mfrs. 121 

Chair Seats Mfrs. 76 

Chandelier Mfrs. 59 

Charcoal Dealers 76 

Charcoal Mfrs. : 89 

Check Mfrs. 90 

Chemical Mfrs. (not otherwise 

classified) 17 

Cheese Mfrs. 87 

Chewing Gum Mfrs. 16 

Chimney Construction 26 

China Decorating 94 

China Mfrs. 94 

Chocolate Mfrs. 16 

Cider Mfrs. 76 

Cigar and Cigarette Mfrs 109 

Cigarette Paper Mfrs. 90 

Circular Loom Mfrs. 76 

Citrus Fruit Pickers — by con- 
tract only 26 

Clay Digging 26 

Clay or Shale Mines 71 

Cleaners and Dyers .___ 76 



Page. 
Cleaning and Renovating stone 

fronts of buildings 26 

Clearing of Land — for agricul- 
tural purposes 26 

Clerical Office employees in 

manufacturing plants 112 

Clerical Office employees not in 

manufacturing plants 112 

Cloak Mfrs. 105 

Clock Mfrs. __-. 59 

Cloth Spongers 105 

Clothing Mfrs. 105 

Clothing Store ________ 112 

Club Houses 112 

Coal Billet and Briquette Mfrs. 76 

Coal Merchants 76 

Cocoa Mfrs. 16 

Cocoa Fibre Mfrs. 76 

Cocoanut Shredding and Drying 76 

Cod Liver Oil Mfrs 87 

Coffee Manipulators or Clean- 
ers (not grinders or roasters) 76 
Coffee Roasters and Grinders.- 76 
Coffin and Casket (metal) __, — 59 
Coffin and Casket (wood) Mfrs. 121 

Coke Burners 89 

Cold Cream Mfrs. 87 

Cold Storage Warehouses 112 

Collar and Cuff Mfrs. 105 

Colleges — all employees except 

professors and teachers 112 

Color (dry) Mfrs. ___ 17 

Comb (hard rubber — no cellu- 
loid) Mfrs. 98 

Composition Goods, containing 

celluloid 98 

Compressed Food Mfrs. 76 

Concrete Hollow Blocks 94 

Concrete mixers (mechanical) 

operation 26 

Concrete Work 26, 28 

Condensed Milk Mfrs. 87 

Conduits — already constructed 
(placing electrical cable there- 
in) 28. 29 

Conduits — for electric wires. 

construction 28 

Confectioners' Machinery Mfrs. 59 

Confectionery Mfrs. 16 

Contractors — Building private 
residences, flats, etc., not over 

3 stories high 29, 30 

Contractors — General ___ 30 



vi 



Page. 
Conveyors and Hoisting Appa- 
ratus — coal and ore, installa- 
tion of 30 

Conveyors — coal and ash, in- 
stallation of 30 

Cooperage Stock Mfrs. — heads, 

hoops, staves, etc 53 

Coopers 121 

Copper Mines 71 

Copper Refiners 89 

Copper Smelters 89 

Copper and Zinc Goods Mfrs._ 59 

Coppersmiths 59 

Coppersmiths (away from shop) 30 
Coppersmiths (installing and 

erecting within buildings) 31 

Card and Twine Mfrs 76 

Cordage Mfrs. 76 

Cork Cutting Mfrs. 121 

Cork Paper Works 90 

Corn Mills 70 

Cornices and Skylights, repair- 
ing and erecting 31 

Corraline Mfrs. 98 

Corrugated Iron Buildings — 

erecting 31 

Corrugated Paper Mfrs. 91 

Corset Mfrs. 105 

Cottolene Mfrs. 87 

Cotton Batting Mfrs. 105 

Cotton Gin Machinery Mfrs 59 

Cotton Compressing and Gin- 
ning 76 

Cotton Packing for Steam En- 
gines Mfrs. 76 

Cotton Spinners 105 

Cotton Weavers 105 

Cotton and Woolen Clipping, 

new goods only (dealers in)_ 112 

Cottonseed Oil Mfrs. 87 

Cottonseed Oil Refiners 87 

Counter, Heel and Sole Cutters 50 

Counter Lunch Room 113 

Country Clubs 113 

Cracker Mfrs. 16 

Cranes and derricks — installa- 
tion of 31 

Crayon Mfrs. 76 

Creameries 87 

Creamery and Dairy Supplies 

Mfrs. .__-__ 76 

Crematories — operating ___ 77 

Creosote Mfrs. . 17 



Page. 
Crib Work, not including hand- 
ling of stone 31 

Crutch Mfrs. 121 

Culm (slack or coal refuse) 

W T ashing 77 

Curled Hair Mfrs. 77 

Curriers 50 

Cut Sole Mfrs. . 50 

Cutlery Mfrs. 59 

Cutting Dies Mfrs. 59 

Cutting Upper Leather 50 

D 

Dairies 87 

Dams 31 

Dealers in Coal and Wood. 
Wire Fencing, Agricultural 
Implements, Hay, Grain, and 

Feed and Lumber Yard 114 

Decorative Wire Mfrs. 59 

Decorators, interior and ex- 
terior — hanging flags and 

bunting 31 

Decorators — within buildings 

only 31 

Degreasing Skins 50 

Dental Material Mfrs. 17 

Dentists 113 

Department Stores 113 

Designing, printing and finish- 
ing only — no paper making. _ 93 

Dextrine Mfrs. _ 77 

Diamond Cutters and Setters. _ 77 

Diamond Drilling ___^ 31 

Disinfectant Mfrs. 17 

Distilling _. ... 77 

Ditch Digging — irrigation or 

drainage only 31 

Divers 31 

Doll (bisque or <;hina) Mfrs.__ 94 
Door, Window Frame or Sash, 

erecting and repair 31 

Draughtsmen 77 

Dredging by floating dredges.- 31 

Dressmakers 105 

Dress-pattern Mfrs. — paper only 91 
Drilling Work — prospecting for 

ore ^ a 31 

Drivers ;,____- 77 

Driving of Wells for salt min- 
ing _. 31 

Drop Forging Workg ^__, 59 



Vii 



Page. 
Drug Mfrs. (grinding medi- 
cines) 17 

Dry Battery Mfrs. 77 

Dry Docks, construction of 31 

Dry Docks, operating 32 

Dry (floating) Docks, construc- 
tion of 31 

Dry Goods Stores (no Mfg.)__ 113 

Duck Cloth Mfrs. 105 

Dumbwaiters, installation of — 32 

Dyers and Cleaners 77 

Dyers of Textiles — new goods.- 105 

E 
Earthen wiare (household utensils 

and art objects) Mfrs 94 

Earthenware (tiling, gas retorts, 
sewer pipe and drain pipe) 
Mfrs. (including underground 

mining) 94 

Earthenware (tiling, gas retorts, 
sewer pipe and drain pipe) 
Mfrs. (no underground min- 
ing) — 94 

Egg Drying 77 

Electric Apparatus Mfrs. 59 

Electric Crane Mfrs. 59 

Electric Fixtures Mfrs. 59 

Electric Insulators, Lava Tips, 

etc., Mfrs. 77 

Electric Light and Power Com- 
panies 48 

Electric Light and Power Com- 
panies, construction 32 

Electric Welding — shop only — 59 
Electrical Apparatus, erection 

and repair work only 32 

Electrical Equipment, installa- 
tion within buildings 32 

Electrotypers 97 

Elevated Railroad 77 

Elevators (passenger or freight) 

erecting 32 

Elevators (passenger or freight) 

repairing only 32 

Elevator Mfrs. 59 

Elevator Gates, installation of_ 32 

Embossed Leather Mfrs. 51 

Embroidery Mfrs. 105 

Emery Cloth Mfrs. 77 

Emery Wheel Mfrs. 77 

Emery Works 102 

Enamel and Agate Ware Mfrs. 59 



Page. 

Enamel Cloth Mfrs. 77 

Enamel Leather Mfrs. 51 

Engines (steam), installation of 32 

Engravers 97 

Envelope Mfrs. 91 

Essential Oils, distillation of__ 17 
Excavating for bases of dams, 

bridge foundations, etc. 33 

Excelsior Mfrs. 53 

Exhibitions — Agricultural, Hor- 
ticultural or Industrial 113 

Express Companies 77 

Exposition building employees. 113 

Extract (dyewood) Mfrs. 18 

Extract (tanning) Mfrs. __ 18 

Eyeglass and Spectacle Mfrs.__ 77 

Eyelet Mfrs. 59 

F 

Farm Laborers 77 

Farm Machinery — erecting and 

repairing, etc. 33 

Fat Rendering 87 

Feather and Flower (artificial) 

Mfrs. 105 

Feather Pillow Mfrs. 105 

Feed Water Heaters Mfrs 59 

Feldspar Mines 71 

Felting Mfrs. 105 

Fences — wood, stone, metal or 
concrete not over 6 feet high 

(construction) 33 

Fenders and Fire Iron Mfrs.__ 59 

Ferry Companies 110 

Fertilizer Mfrs. 78 

Fibre Goods Mfrs. 91 

Fibre Mfrs. — for Mats and Mat- 
ting 78 

Fibroid Mfrs. 98 

File Mfrs. 59 

Finishers "of Textiles — new goods 105 
Fire Alarms, construction of— 33 
Fire Clay Products Mfrs. (in- 
cluding underground mining) 95 
Fire Clay Products Mfrs. (no 

underground mining) 95 

Fire Engine Mfrs. 59 

Fire Escapes, erecting and re- 
pairing 33 

Fire Inspection of Mercantile 
and Manufacturing Plants, 

and similar risks 33 

Firemen 78 



viii 



Page. 
Fireproof construction, wire 

netting and concreting 33 

Fireproof Door and Shutter 

Mfrs. 78 

Fireproof Doors and Shutters — 

erecting 33 

Fireproof Equipment Mfrs 60 

Fireproof Tiles, construction 

and repair 33 

Fireworks Mfrs. 78 

Fish Curers, Packers and Deal- 
ers 78 

Fishing Rod Mfrs. 121 

Fishing Tackle Mfrs. 78 

Fishing Vessels 110 

Flavoring Extract Mfrs. 18 

Flax Mills 105 

Flint and Spar Grinders 102 

Floor Surfacing, by machinery 33 
Florists, cultivating and gar- 
dening 78 

Flour Mills 70 

Fly Paper Mfrs. 91 

Forging Work 60 

Foundry 60 

Fountain Pen Mfrs. 78 

Fringe and Braid Mfrs 105 

Fruit Evaporators 78 

Fruit (dried) Packers 78 

Fulling Mills 105 

Fumigation of Buildings 33 

Fur Goods Mfrs. 78, 105 

Fur Mfrs. (preparing skins) 60 

Furnace Mfrs. — house heaters. 60 
Furnaces (heaters for stoves) . 
putting together and setting 

up 34 

Furnishing Goods Mfrs. 105 

Furniture Dealers 113 

Furniture Mfg. and Finishing. 121 
Furniture, Chair and Cabinet 

Works, assembling only 121 

Fuse Mfrs. 78 

G 

Galvanized Iron Workers 34 

Galvanized Iron and Sheet Iron. 

erecting and repairing 60 

Galvanizing or Tinning Sheet 

Metal, exclusively 60 

Garbage Collectors 78 

Garbage Works 78 

Garment Mfrs. 106 



Page. 
Gas Engine Ignition Apparatus 

Mfrs. 60 

Gas Fixtures Mfrs. 60 

Gas Holders 60 

Gas Machines — acetylene 34 

Gas Machines — acetylene — in- 
stallation 60 

Gas Meter Mfrs. 60 

Gas and Steam Fitters 60 

Gas or Gasoline Engine Mfrs.. 60 
Gas, Steam and Hot Water Ap- 
paratus, fitting and installa- 
tion of ventilating plants 

(shop and outside) 34 

Gas Works, laying of mains 

and connections 34 

Gas Works, operating of gas 

house, etc. 79 

Gasoline Mfrs. 87 

Gauge and Valves Mfrs 60 

Gear Grinding 60 

Gelatine Mfrs. 79 

General Contractors 34 

Gilding and Electroplating 79 

Glass (cut) Mfrs. 95 

Glass (plate or window) Mfrs.. 95 
Glass Mfrs. (not plate or win- 
dow glass Mfg.) 9n 

Glass Eye Mfrs. 95 

Glass Merchants 113 

Glass Sign Mfrs. 95 

Glaziers (away from shop) 34 

Glove Dressers 51 

Glove Mfrs. (leather) 51 

Glove and Mitten (silk, woolen 

or thread) Mfrs. 106 

Glucose Mfrs. 79 

Glue Mfrs. 79 

Glycerine Refiners 87 

Gold Leaf Mfrs. 60 

Gold Mines 71 

Gold Platers 79 

Gold Reduction 89 

Gold Refiners 89 

Gold Smelters 89 

Golf Clubs Mfrs. 121 

Grading Land 34 

Grain Elevators — floating (oper- 
ation only) 100 

Gram Elevators — line or ter- 
minal 114 

Graphite Mfrs. 79 

Graphite Mines 71 



Page. 
Graphite and Pure Carbon Mfrs. 89 

Gravity Chutes, erection of 34 

1 Grease Mfrs. 87 

Grindstone Mfrs. 102 

Grist Mills 70 

Gum Vending Machine Mfrs.__ 60 

Gun, Kifle and Pistol Mfrs 61 

Gutta Percha Mfrs. 98 

Gypsum Mines 71 

H 
Hair Cloth Mfrs. 106 

Hair Goods Mfrs. — 79 

Hair (human) Goods Mfrs 79 

Hand Printers 97 

Handkerchief Mfrs.— no weav- 
ing 106 

Hardware Mfrs. 61 

Hardware Stores (no Mfg.) — 114 

Harness and Saddle Mfrs 51 

Hat (not straw) Mfrs., includ- 
ing molding and Mfg. of felt 106 

Hat (straw) Mfrs. 106 

Hat Block Mfrs. 121 

Hatters (fur) Mfrs. 79 

Hay, Straw and Feed Dealers. 114 

Hide and Leather Dealers 114 

Hod Hoists, installation, oper- 
ation, etc. 34 

Hominy Mills 70 

Hone and Oil Stone Mfrs 102 

Horse Blanket Mfrs. 106 

Horse Dealers 79 

Horseshoe Mfrs. 61 

Hose (cotton) Mfrs. 106 

Hosiery Mfrs. 106 

Hospitals 114 

Hotels (excluding laundry) 114 

Hot House Erection — away from 

shop 34 

Hot Houses Mfrs. (shop only). 121 
House Furnishings — installation 

of 35 

House (portable) Mfrs. (shop 

only) 121 

Hydrogen and Oxygen Mfrs 18 

I 

Ice (artificial) Mfrs. 79 

Ice Companies^harvesting and 

storing — 79 

Ice Cream Mfrs. 16 

Ice Cream Freezer Mfrs 79 



Page. 
Ice Dealers (no harvesting) — 79 
Ignition Apparatus for Gas En- 
gines Mfrs. 61 

Imitation Leather Mfrs. 91 

Importers and Dealers in Goat 

and Sheepskins 114 

Incandescent Lamp Mfrs. 1 79 

Incubator Mfrs. « 121 

Indurated Fibre Mfrs. 91 

Ink (printing) Mfrs. 79 

Ink (writing) - Mfrs. 79 

Instrument (professional or 

scientific) Mfrs. 61 

Iron, Ornamental --- 35 

Iron Foundry 01 

Iron Merchants (not junk or 

scrap iron) 114 

Iron Mines 71, 72 

Iron Smelters 89 

Iron Work ^ *„ 35 

Iron and Steel Lock Gates, con- 
struction and installation ___ 35 

Iron and Steel Works 61 

Irrigating Canals — construction 

of 35 

Irrigation Works — operating and 

maintenance 79 

Isinglass (fish glue) Mfrs 79 

Isinglass (mica) Mfrs. 80 

Ivory Turners 80 

J 

Jams, Jellies and Preserves, 

preparing 80 

Jetty and Breakwater Building- 35 

Jewelry Mfrs. ^ 61 

Jewelry Novelties 80 

Jewelry Stores 114 

Jobbing Work on Buildings 
other than private residences 35 

Joiners (in shop) 121 

Junk Dealers fc 114 

Jute Mfrs. , 106 

K 

Keg Mfrs. — _121, 122 

Kindling Wood Mfrs. 122 

Knitting Mills 106 

L 
Label Mfrs. ; 91 

Label (metal) Mfrs. ___ 61 

Lace Mfrs. 106 



Page. 
Lace and Ornamental Paper 
lifts. 91 

Ladder Mfrs. 122 

Ladders, installation of, in 

buildings 35 

Ladies' Hair Dressing and 

Manicuring 114 

Lamp and Lantern Mfrs 61 

Lamp Black Mfrs. 80 

Lamp Lighters 35 

Lamp and Lamp Shade Mfrs.- 61 
Lamp Shade Mfrs. (exclusively) 61 

Landscape Garden Work 35 

Lapidaries 80 

Lard Refiners 87 

Last Mfrs. 122 

Lath Mfrs. 53 

Lathers 35 

Laundries 80 

Laundry — no machinery, doing 

hand work exclusively 80 

Laundry — wet wash 80 

Lawn Mowers Mfrs. 61 

Lead (black) Mfrs. 80 

Lead (red) Mfrs. 18 

Lead (white) Mfrs. 18 

Lead Mines 72 

Lead Pencil Mfrs. 122 

Lead Smelters 89 

Lead Works 61 

Lead and Zinc Mines 72 

Leather Belting Mfrs. 50 

Leather Belting Mfrs. — away 

from shop 35 

Leather Board Mfrs. 51 

Leather Dressers 51 

Leather Embossing 51 

Leather Wearing Apparel and 

Novelties 51 

Leather and Hide Dealers 114 

Ledger Paper Mfrs. 91 

Lens Mfrs. 80 

Licorice Mfrs. 16 

Life Float Mfrs. 80 

Lightning Rods, erecting 35 

Light Prisms, erecting 36 

Lignoid Mfrs. 98 

Lime Burners 102 

Lime Quarries 102 

Linen Mfrs. 106 

Linoleum and Cork Carpet Mfrs. 80 

Linseed Oil Mfrs. 87 

Lithographers 97 



Page. 

Lithographic Stone Mfrs. 102 

Lithoid Mfrs. 102 

Live Stock Shippers 55 

Livery and Boarding Stables.- 80 

Lock Mfrs. ... 61 

Locksmiths, repairing, fitting 

and installing locks, etc 36 

Locomotive Works 62 

Logging Railroad, operation and 

maintenance of 53 

Logging and Lumbering Opera- 
tions 53 

Loom Mfrs. 62 

Loom Harness, Cop -tube and 

Shuttle Mfrs. 62 

Lumber Dealers 80 

Lumber Yard Employees 53 

M 

Macaroni Mfrs. 16 

Machine Shops — no foundry __ G2 

Machine Shops — with foundry. 62 
Machinery Dealers — (store only, 

no Mfg.) 111 

Magneto Mfrs. 62 

Mail Bag or Pouch Mfrs 51 

Mail Box Mfrs. 02 

Mail Chutes, in office build- 
ings — installation of 36 

Mailing and Addressing Com- 
panies 80 

Mailing Machines — installation 

of 36 

Mailing Machine Mfrs. 62 

Malleable Iron Works 62 

Malt Houses 114 

Manganese Mines 72 

Mantel (marble or slate) Mfrs. 102 

Mantel (wood) Mfrs. 122 

Mantel Setters and Repairers. _ 36 
Marble Cutters and Polishers.. 102 
Marble and Stone Setters — in- 
side construction 36 

Marble and Stone Setters — 

away from shop 36 

Marble and Stone Work — deco- 
rations in place only 36 

Marble or Granite Contractors. 36 

Marine Engine Mfrs. 62 

Marine Railway — construction of 36 

Marine Railway — operation of. 36 

Marketmen 115 

Marl Mfrs. 1 95 



Page. 
Masonry Bridges — other than 

concrete 36 

Masonry Work, building chim- 
neys only _ 36 

Masonry Work — (not otherwise 

classified) 36 

Masonry Work in connection 

with sewers 37 

Mast and Spar Mfrs 122 

Mat and Matting Mfrs i06 

Match Mfrs. 80 

Mattress Mfrs. (no spring or 

wire work or excelsior Mfg.) 106 

Mattress (wire) Mfrs. 62 

Mausoleums, Monuments and 

Mortuary Work, erecting only 37 

Medicinal Extract Mfrs. 18 

Mercantile or Mfg. premises 

variously occupied 115 

Mercerized cotton goods 106 

Merry-go-rounds, swings, etc., 

erecting, repairing, etc. 37 

Metal Ceiling Mfrs. 62 

Metal Ceiling Work — installa- 
tion away from shop 37 

Metal Goods Mfrs. (not other- 
wise classified) 62 

Metal Matte 89 

Metal Polish Mfrs. 81 

Metal Screen Mfrs. 62 

Metal Spinning 62 

Metallic Lathing 37 

Mica Mines 72 

Mica — preparation of, for elec- 
tric insulation 81 

Military Goods Mfrs. 81 

Milk Dealers — store or depot 

only 115 

Milk, powdered, Mfrs. 81 

Millers (not otherwise classified) 70 

Millinery Mfrs. 106 

Millstone Mfrs. 102 

Millwrights — erecting and re- 
pairing machinery 37 

Mineral Water Mfrs. 18 

Mining and Milling Machinery 

Mfrs. 62 

Mirror Mfrs. — no glass making 81 
Mirror Mfrs. — silvering and 

beveling only 95 

Molasses and Syrup Mfrs 81 

Morocco Dressers 51 

Mortar Mfrs. 102 



Page. 
Mosaic Work, floors only, within 

buildings 37 

Motorcycle and Motorcycle parts 

Mfrs. 62 

Moving Pictures — Employees rep- 
resenting scenes (not oper- 
ating) 81 

Mucilage Mfrs. 81 

Municipal Risks 81 

Municipal Sewage Disposal 

Plants 80 

Mural Decorations and setting 

stained glass windows 37 

Music Rolls for Piano Players. 91 

Musical Instrument Mfrs. (metal) 63 

Musical Instrument Mfrs. (wood) 122 

Mustard Mills 80 

N 

Nail and Spike Mfrs 63 

Necktie Mfrs. 106 

Needle Mfrs. 63 

Net, not wire (no cordage or 

twine making) 106 

News Agents 81 

Newspaper Offices 97 

Nickel Mines 72 

Nickel Platers and Finishers.- 82 

Numbering Machine Mfrs. 63 

Nurserymen 82 

Nut and Bolt Mfrs 63 

Nuts — handling, cleaning and 

shelling 82 

O 

Oakum Mfrs. 82 

Oatmeal Mills 70 

Ocean and Coastwise Sailing 

Vessels 110 

Ocean and Coastwise Steamers. 110 

Ocean and Coastwise Tugboats. 110 

Office Buildings 115 

Office Furniture and Fixtures — 

metal, erection of 37 

Oil Mfrs.: 

Fish 87 

Lard 87 

Tallow 87 

Vegetable 87 

Oil Cake Mfrs. 87 

Oil Cloth (all kinds) Mfrs 82 

Oil Distributing Companies-,,,- 82 



xii 



Page. 

Oil Producing — including the 
driving of wells, etc 37 

Oil (petroleum) Refiners (not 
gasoline) 87 

Oil Stoves Mfrs. 63 

Oiled, Paraffined or Waxed 
Paper Mfrs. — no paper mak- 
ing 91 

Oleomargarine Mfrs. 88 

Omnibus Companies (inside 
stable walls only) (not sell- 
ing) 82 

Optical Goods Mfrs. 82 

Ore Crushers 89 

Ore Mines (not otherwise classi- 
fied), shafts, tunnels or drifts 72 

Ore Mines, surface, no shafts, 
tunnels or drifts (not other- 
wise classified) 72 

Ores, concentrating and amal- 
gamating 89 

Organ (cabinet or parlor) Build- 
ers 122 

Organ (pipe for churches) Build- 
ers 122 

Ornamental brass, bronze and 
iron work, within buildings, 
erecting 37 

Ornamental Iron Works 63 

Owners, engaged in construc- 
tion work, or for whom con- 
struction is being done 38 

Oxy acetylene welding (autoge- 
nous welding) 38 

P 

Packers, packing and unpack- 
ing furniture, etc. 38 

Packing Case Mfrs. — no ma- 
chinery 54 

Packing Case Mfrs. — steam 51 

Packing-Houses — including han- 
dling of cattle and slaughter- 
ing 55 

Packing-Houses (no handling 
of live stock or slaughtering) 55 

Pail Mfrs. 122 

Paint Mfrs. (no lead Mfg.)___ 18 

Painters, in shop 82 

Painting and Decorating away 
from shop 38 



Page. 
Painting and Decorating, in- 
terior work exclusively, away 

from shop 38 

Painters — painting automobiles- 82 

Paper Board Mfrs. 92 

Paper Coating and Finishing-. 92 
Paper Cutting for Packing Pur- 
poses 92 

Paper Mfrs. — (all kinds except 

writing paper and cardboard) 91 
Paper and Rag Stock Dealers — 
handling new paper waste 
(no junk, rags or old paper) 115 

Paper and Pulp Mfrs 91 

Paper Hangers 38 

Papier Mache Goods Mfrs 92 

Parquet Floor Laying 38 

Parquet Flooring Mfrs. 122 

Paste Mfrs. 82 

Patent Leather Mfrs. 51 

Patent Medicine Mfrs. 18 

Patent Metal Mfrs. (rolling 

metal into thin sheets) 53 

Pattern and Model (wood) Mfrs. 122 
Paviors (not otherwise classified) 38 
Peanut handling, cleaning, sort- 
ing and storing 82 

Teat Fuel Mfrs. 95 

Peg and Skewer (wood) Mfrs._ 122 

Pen Mfrs. 63 

Perfumery and Flavoring Es- 
sence Mfrs. 18 

Pharmaceutist Mfrs. (bandages. 

etc.) 18 

Pharmaceutists 18 

Phonograph Mfrs. G3 

Phonograph Record Mfrs 82 

Phosphate Mines 72 

Phosphate Works 82 

Photo Engraver 97 

Photographers — Studio Work __ 115 
Photographers — Outside Work _ 82 
Photographic Sensitive Films 

and Dry Plates (Mfg.) 82 

Photographic Supplies Mfrs 82 

Piano Mfrs. 122 

Piano Mfrs. — assembling only_ 122 

Piano Action Mfrs. 122 

Piano Forte Case Mfrs 122 

Piano Keys Mfrs. 122 

Piano Plates Mfrs. exclusively. 63 



xiii 



Page. 

Piano Players, Automatic 122 

Piano Wire Mfrs. 63 

Pickle Mfrs. 82 

Picture Frame Mfrs 122, 123 

Picture Wire Mfrs. 63 

Pile Drivers — including timber 

wharf building thereon 38 

Pile Driving for building foun- 
dations 38 

Pin Mfrs. 63 

Pipe (cast iron) Mfrs 63 

Pipe — Clay (tobacco) Mfrs 95 

Pipe— Wood (tobacco) Mfrs 123' 

Piping, flexible, not metal, for 
interior work in buildings to 

carry electric wires — Mfrs 82 

Pistol Mfrs. 63 

Planing and Molding Mills — 54 
Plaster Block (not fireproof 

tile) Partitions, erection of__ 38 
Plaster Board — erecting away 

from shop 38 

Plaster Mills 102 

Plaster Mixing or Staff Mfrs._ 102 
Plaster statuary and ornament 

mfg. from wooden molds 83 

Plasterers 38 

Plate or Window Glass Mfrs._ 95 

Playing Cards Mfrs. 92 

Plumbers (shop only) 63 

Plumbers (including house con- 
nections) , : 38 

Plumbers' Supplies Mfrs. 63 

Plush and Velvet Goods Mfrs._ 10G 
Pneumatic Tube Companies, 

operation only 83 

Pneumatic Tubes — installation 
of, including construction of 

conduits, etc. 38 

Pocketbook Mfrs. 51 

Policemen 83 

Porcelain Ware Mfrs. 95 

Pork Packers 55 

Portable Bakers' Ovens, instal- 
lation of 39 

Portable Buildings — erection of 39 
Potteries — flower pots, art and 

household utensils only 95 

Potteries (tiling, gas retorts, 
etc.) Mfrs. (including under- 
ground mining) 95 



Page. 
Potteries (tiling, gas retorts, 
etc.) Mfrs. (no underground 

mining) 95 

Poultry Dealers, Wholesale or 

Retail 115 

Poultry Food Mfrs. 83 

Printers — hand 97 

Printers — steam 97 

Printers' Rollers Mfrs. 83 

Printing Press Mfrs. 63 

Produce Dealers — Buying, etc.- 83 

Professors, teachers, etc 115, 116 

Projectile, Shell or Case Mfrs._ 63 

Public Libraries 116 

Public Museums of Art or Nat- 
ural History 116 

Public Picture Galleries 116 

Publishers 97 

Pulp Liquor Mfrs 92 

Pulp and Paper Mfrs 92 

Pulp Mills 92 

Pump, erection and installation 39 

Pump Mfrs. 63 

Pump (wood) Mfrs. 123 

Pulley Block (metal) Mfrs 63 

Pulley Block (wood) Mfrs 123 

Pure Food Mfrs. (no milling). 16 
Pure Food Mfrs. (including 

milling) 70 

Putty Mfrs. 18 

Pyrographic Goods Mfrs.*. 123 

Q 

Quarries, Milestone, granite or 
marble for monumental build- 
ing purposes 102 

Quarries (not otherwise classi- 
fied) 103 

Quartz Mills 89 

Quilt Mfrs. 106 

R 

Radiator Mfrs. 64 

Radiator (for automobiles) Mfg. 64 

Rag and Paper Stock Dealers. 116 

Railroad Car Mfrs 20 

Railroad Construction 39-40 

Railroad — steam, operation of_ 83 
Railroad Hazard — Mfrs. and 

Contractors' Risk 83 



xiv 



Page. 
Railroad Signal erection or in- 
stallation 40 

Rattan Goods Mfrs. 123 

Razor Mfrs. 64 

Razor (safety) Mfrs. 64 

Real Estate Employees, outside 

of office 116 

Refrigerating Company, excava- 
tion and laying pipe lines. _- 40 
Refrigerating Machinery, in- 
stallation of 40 

Refiigerator Cars — loading and 

unloading of 55 

Refrigerator Mfrs. 123 

Restaurants 116 

Retail Stores (not otherwise 

classified) 116 

Revolver Mfrs. 64 

Ribbon Mfrs. 106 

Rice Mills 70 

Riggers — not ship or boat 40 

Riggers— ship or boat 40 

River and Sound Steamers and 

Sailing Vessels 110 

Road or Street Making 40 

Road Roller Mfrs. 64 

Rock Salt Mines 72 

Rolling Mills 66 

Roofers 40 

Roofing, Felt 84 

Rope Mfrs. 84 

Roustabouts — River and Sound 

Steamers 100 

Rubber Belting Mfrs. 98 

Rubber Boot and Shoe Mfrs.— 98 

Rubber Cement Mfrs. 98 

Rubber Garments Mfrs. 98 

Rubber Goods Mfrs. 98 

Rubber Reclaiming Operations. 98 

Rubber Stamp Mfrs. 98 

Rubber Stock Dealers — receiv- 
ing, etc. 116 

Rubber Tire Dealers 117 

Rubber Tire Mfrs. 98 

Rug Mfrs. 107 

S 

Sad Irons Mfrs. (flatirons) 64 

Safe Mfrs. 64 

Safe Movers 40 

Safety Tread — erection and in- 
stallation 40 

Sail Makers 107 



Page. 

Sales Stables 84 

Salesmen (outside) 84 

Salt Mfrs., not mining or sink- 
ing wells 84 

Salt Mining — including driving 

weUs .... 41 

Saltpetre Mfrs. 18 

Salvage Corps ... 84 

Salvage Operations in buildings 

damaged by fire 41 

Sand and Gravel Diggers 41 

Sand Excavation, suction dredges 41 

Sand Paper Mfrs. 92 

Sash, Door and Blind Mfrs 54 

Sausage Mfrs. 55 

Sausage Case Mfrs. 55 

Sawmills 54 

Saw Mfrs. 04 

Scaffolds, installation, opera- 
tion, removal of 41 

Scale Mfrs. 64 

School Supplies Mfrs. 123 

Schools 117 

Schools and Colleges 117 

Scrap Iron Dealers 117 

Scrap Iron and Junk Dealers. 

(away from shop) 41 

Screen Mfrs. 123 

Screw Mfrs. 64 

Sculptors, Statuary and orna- 
mental work in bronze, in- 
cluding molding 64 

Seed Merchants 84 

Sewage Disposal Plants, care 

and maintenance of 84 

Sewage Disposal Plants, con- 
struction of 42 

Sewage Disposal Plants, pub- 
lic — no sewer construction or 

blasting 42 

Sewer Building 41 

Sewer Cleaning 42 

Sewer Pipe Mfrs. 103 

Sewing Machine Mfrs. 64 

Shade Cloth Mfrs. 107 

Shade Roller Mfrs. 123 

Shaft Sinking 42 

Sheet Iron Stoves (oil or gas) 64 

Sheet Metal Workers 64 

Shingle Mfrs. 54 

Ship and Boat Builders 42 

Ship Chandler Stores 117 

Shipwrights 42 

XV 



Page. 

Shirt Mfrs. 107 

Shoddy Mfrs. 107 

Shoe and Boot Mfrs 51 

Shoe and Harness Blacking 
Mfrs. 84 

Shoe Stock Mfrs. 51 

Shoe String Mfrs. 107 

Shooting Galleries 117 

Shot Works 64 

Shovels, Spades, Scoops and 

Hoes Mfrs. 64 

Showcase Mfrs. 123 

Showcases, outside — erecting __ 43 
Shutter erecting and repair, 

metal 43 

Sidewalk Calking 43 

Sign (advertising) Mfrs., erect- 
ing 43 

Sign Painting or Lettering 43 

Silica Grinding 103 

Silica Mines 72 

Silk Mfrs. 107 

Silk Thread Mfrs. 107 

Sikr Builders (shop only) 64 

Silo Erecting 43 

Silver Mines 72 

Silver Platers 84 

Silver Reduction 89 

Silver Refiners 89 

Silver Smelters 89 

Silverware Mfrs. 64 

Size Mfrs. 84 

Skate Mfrs. 64 

Skating Rinks, ice or roller — 117 
Skins, Goat and Sheep — im- 
porters and dealers 117 

Slag, excavation of 103 

Slate Mfrs. 103 

Slate Quarries 103 

Slaters — away from shop 43 

Slaughtermen 55 

Slipper Mfrs. 51 

Slot Machine Mfrs. 64 

Smelters (by electric process). 89 
Smelters (not otherwise classi- 
fied) 89 

Smokestacks and Chimneys 

(metal) erecting 43 

Smokestacks and Chimneys — 

lining of 43 

Snow and Ice — removing 43 

Soap Mfrs. 88 

Soap Powder Mfrs. 88 

xvi 



Page. 
Soap Dispensers, installation. _ 43 

Soapstone Mfrs. 103 

Soda Ash Mfrs. 18 

Soda Bicarbonate Mfrs. 18 

Soda Water Apparatus Mfrs.__ 64 
Soda Water Fountains, install- 
ing 43 

Spar and Mast Mfrs 123 

Speedometer Mfrs. 64 

Spice Mills 84 

Spool (wood) Mfrs. 123 

Sporting Goods Mfrs. 84 

Spring Mfrs. 65 

Spring Bed Mfrs. ____■ 64 

Sprinkler (automatic) Mfrs 

Stablemen 85 

Staff Workers 43 

Stair Building 

Stamping Works 65 

Starch Mfrs. 

State or Municipal Road or 

Street Making 44 

Stationary Engine Mfrs 65 

Stationery Mfrs. 92 

Statuary, Monuments, erection 

only 44 

Stave Mfrs. 54 

Steam Packing Mfrs. (metal) __ 65 
Steam Packing Mfrs. (not metal) 107 
Steam Heating — laying of mains 

and connections 45 

Steam Heating or Power Com- 
panies, operating 85 

Steam Pipes or Boilers, apply- 
ing cork and asbestos thereto 45 

Steam Radiator Mfrs. 65 

Steam Road Roller Mfrs 65 

Steam Shovels, Dredges and 

Ballast Unloader Mfrs. 65 I 

Steamship Agents 100 j 

Steel Freight Cars, Pressed 
Steel Truck Frames and Bol- 
ster Mfrs. 65 | 

Steel Works 65-' 

Stencil Mfrs. 67 I 

Stevedores or Lumpers 100 I 

Stock Farm 85 | 

Stock Yards with Railroad 

Entry 55 1 

Stone China Mfrs. 95 1 

Stone Crushers (not limestone) 

including quarrying 103 

Stone Crushers (no quarrying). 103| 



Page. 

Stone Cutters and Polishers 103 

Stone Yard 103 

Stones, precious — cutting, etc.- 85 

Storage (cold) 117 

Storage (baled cotton) 117 

Storage (furniture) 117 

Storage (grain) 117 

Storage — general merchandise 

(not otherwise classified) 117 

Storage Yards for wagons and 

trucks 85 

Store Risks 117-118 

Stove Mfrs. (not sheet iron) 67 

Stove Mfrs. (sheet iron) 07 

Stove Polish Mfrs. 85 

Straw Board Mfrs. 93 

Straw Hat Mfrs. 107 

Street Cleaners 45 

Street or Road Making 45 

Street Railroad Companies 85 

Structural Iron and Steel Works. 67 

Stuff and Woolen Dyers 107 

Subways, construction of 45 

Sugar Refiners 85 

Sulphur Mfrs. 18 

Sulphur Pyrites Mines 72 

Surveying and Inspecting En- 
gineer work 85 

Supply Boats — supplying water 

or gasoline for shipping 110 

Suspender Mfrs. 107 

Sword Mfrs. 67 

T 
Tack Mfrs. 67 

Tag, Check and Label (metal) 

Mfrs. 67 

Tag, Check and Label Mfrs. — 

paper or cardboard only 93 

Tailor Store, wholesale or re- 
tail, including cutting 118 

Tailors 107 

Talc Mills 103 

Talc Mines 72 

Tallow Chandlers 88 

Tank Builders 67 

Tank (metal) erecting within 

buildings 45 

Tank (wood) Builders — erecting 45 
Tank (wood) Builders (shop 

only) 123 

Tank or Gas Holders (metal) 

erecting 45 

2 X 1 



Page. 

Tanners 51 

Tar Mfrs. 86 

Tartaric Acid Mfrs. 18 

Taxidermist 86 

Telegraph and Telephone Ap- 
paratus Mfrs. 67 

Telegraph or Telephone, con- 
struction only 45 

Telegraph and Telephone Com- 
panies — office and exchange 

employees 48 

Telegraph and Telephone Com- 
panies — operation, mainte- 
nance, etc. 48 

Telescope Mfrs. 67 

Telescopes, erecting 45 

Tenements 118 

Terra Cotta Mfrs. (art terra 

cotta for decorative purposes) 96 
Terra Cotta Mfrs. (no under- 
ground mining) 96 

Terra Cotta Mfrs. (including 

underground mining) 96 

Textile Machinery Mfrs. 67 

Theater Stage Rigging 45 

Theater Companies 118 

Theater Employees 118 

Thermometer Mfrs. 67 

Thermometers, Clinical (no Mfg.) 86 

Thermostat Mfrs. 68 

Thermostats, installing 45 

Thread (cotton or linen) Mfrs. H>7 

Thread (silk) Mfrs. 107 

Threshing machines and shelt- 
ers, operation of 45 

Tile (for decorative purposes) 

Mfrs. 96 

Tile (roof and drainage) Mfrs. 
(including underground min- 
ing) 96 

Tile (roof and drainage) Mfrs. 

(no underground mining) — 96 

Tile Work — decorative floors, etc. 46 

Tin Can Mfrs. 68 

Tin Foil Mfrs. 68 

Tin Plate Mfrs. 68 

Tin Plate Rolling and Dipping 66 

Tin Smelters 89 

Tinsmith Shop 68 

Tinsmiths — away from shop 46 

Tissue Paper Mfrs. 92 

Tobacco (chewing. smoking, 

plug and fine cut) Mfrs 109 



Page. 

Tobacco (snuff) Mfrs. 109 

Tobacco Mfrs. (not otherwise 

classified) 109 

Tobacco Rehandlers 119 

Toilet Paper Mfrs. 92 

Tool Mfrs. 68 

Tortoise Shell Goods Mfrs 86 

Towel and Toilet Articles, dis- 
tributing 86 

Toy (metal) Mfrs 68 

Toy (wood) Mfrs. 123 

Traction Harvester, Threshing 
Machine and Farm Machinery, 

operation of 46 

Trees — pruning, spraying, etc.- 46 

Truckmen 86 

Trunk, Mfrs. (leather) 51 

Trunk (wood) Mfrs. 123 

Tub Mfrs. 123 

Tube (metal) Mfrs. 68 

Tuck Pointing 46 

Tunnel Lining only 46 

Tunneling 46 

Turners (wood) 123 

Twine and Cord Mfrs 86 

Type Founders 68 

Typesetting Machine Mfrs 68 

Typewwriter Mfrs. 68 

Typewriter Ribbon Mfrs 107 

U 
Umbrella Mfrs. 107 

Undertakers 86 

Upholsterers (away from shop) 46 
Upholsterers (not furniture or 

cabinet makers) 86 

Upholstery Fabric Mfrs 107 

Upholstery Trimmings Mfrs 107 



Vacuum Cleaner Mfrs. 68 

Vacuum Cleaning 46 

Vacuum Cleaning systems, in- 
stallation of 46 

Valve Mfrs. 68 

Varnish Mfrs. 18 

Vaults — fire and burglar proof 

construction and installation 47 

Vaults — prison vaults and cells 47 

Veneer Mfrs. 54 

Veneer Package Mfrs. 123 

Veneer Seat Mfrs. 123 

Ventilator Mfrs. 68 



Page. 

Vinegar Mfrs. 86 

Vitriol Mfrs. 18 

Voting Machine Mfrs. 68 

Vulcanized Rubber Mfrs. 98 

W 
Wadding and Waste 107 

Wall Paper Mfrs. — paper mak- 
ing only 93 

Wall Paper Mfrs. — printing and 

finishing only 92 

Warehouse, Private 119 

Warehousemen (general mer- 
chandise not otherwise classi- 
fied) 119 

Washer (all kinds) Mfrs 86 

Washboard Mfrs. 123 

Washing Machine and Clothes 

Wringer Mfrs. 124 

Watch Mfrs. 68 

Watch Case Mfrs. 68 

Watchmen and Timekeepers only 30 

Water Meter Mfrs. 68 

Water Tower Mfrs. 68 

Water Wheel (metal) Mfrs 68 

Waterproofing cellars and foun- 
dations 47 

Waterproofing Cloth 98 

Waterproofing in or on struc- 
tures by means of felt paper 

or pitch (no roofing) 47 

Waterworks, construction of 
pumping station, dams and 

reservoirs 47 

Waterworks — erection of stand- 
pipes and water towers 47 

Waterworks — laying mains and 

connections 47 

Waterworks — operating only __ 86 

Wax Mfrs. 88 

Weather Strips in windows and 

doors, installation of 47 

Weather Strips Mfrs. 124 

Webbing Mfrs. (elastic or non- 
elastic) 107 

Weighers on docks 100 

Weighing Machine Mfrs 68 

Welding (electric or autogenous) 

(shop only) 68 

Welsbach Incandescent Mantel 

Mfrs. 86 

Whalebone Goods Mfrs. 86 

Wheel (metal — automobile) Mfrs. 68 



Wheel (metal— car) Mfrs 68 

Wheel (wood) Mfrs. 20 

Wheelbarrow (metal) Mfrs 68 

Wheelbarrow (wood) Mfrs 124 

Whip Mfrs. 86 

Whiting Mfrs. 18 

Wholesale Stores (not otherwise 

classified) 110 

Wholesale or Retail Stores (not 

otherwise classified) 119 

Wholesale or Retail Poultry 

Dealers 119 

Wicking Mfrs. 107 

Willow Ware Mfrs. 124 

Windmill, erecting 47 

Windmill (metal) Mfrs. 60 

Windmill (wood) Mfrs. 60 

Window Blind and Wood Shade 

Mfrs. 124 

Window Calking 47 

Window Gleaning 47 

Window Cleaning Devices, in- 
stallation of, outside build- 
ings 47 

Window Curtain Roller Mfrs.__ 86 
Window Frames, metal — set- 
ting in buildings 47 

Window Opening Devices, in- 
stallation of 47 

Window Shade and Cloth Mfrs. 107 

Wine Mfrs. 83 

Wine and Spirit Merchants 110 

Wire Basket and Cage Mfrs.__ 60 

Wire Cloth Mfrs. 60 

Wire (decorative) Mfrs. 60 

Wire (dress form) Mfrs. 60 

Wire Drawing Works 60 

Wire Fence Mfrs. 60 

Wire Insulation for Electrical 

Purposes 86 

Wire Nail Mfrs. 60 

Wire, Piano Wire Mfrs. 60 

Wire, Picture Wire Mfrs 69 



Page. 

Wire Rope Mfrs. 60 

Wire Work, interior, erection 
only, excluding ornamental 
brass, bronze or iron work— 47 

Wood Heel Mfrs. 124 

Wood Mantel Mfrs. 124 

Wood Preservative Mfrs 18 

Wood Preserving and Fireproof - 

ing 86 

Wood Tank Builders (shop only) 124 

Wood Turners 124 

Wood Yard Employees 54 

Woodenware Mfrs. 124 

W x ool Combers 1°" 

Wool Extract Mfrs. (lanoline). 18 
Wool Extract Mfrs. (chemical 
separation of wool from cot- 
ton) 1°~ 

Wool Merchants 119 

Wool Pullers 52 

Wool Spinners, excluding shoddy 

Mfrs. 1°< 

Wool Weavers, excluding shoddy 

Mfrs. 107 

Woolen Dyers 108 

Wreckers — marine 47 

Wreckers — not marine 47 

Writing Paper Mfrs. 93 

Wrought Iron Pipe Mfrs 60 

Y 
Yacht Clubs HO 

Yarn Finishing— no mfg. of 

yarn 10S 

Yarn Mfrs. 108 

Yea^t Mfrs. 16 

Y. Iff. C. A. and Y. W. C. A. 
Institutions HO 

Z 
Zinc and Copper Goods Mfrs.— 60 
Zinc Smelters 80 



CALIFORNIA 

COMPENSATION MANUAL 



JANUARY, 1914 



(1) 



Manual of Compensation Insurance. 

GENERAL NOTICE. 

The Rules and Instructions, Rates and Classi- 
fications, given in this Manual take effect Janu- 
ary 1, 1914. In every Manual there must, of 
necessity, be opportunities for improper classi- 
fication, and for the evasion of the true spirit of 
the Manual. The Fund must rely upon its rep- 
resentatives to apply the Manual fairly and 
equitably to the conditions encountered in the 
solicitation of business. An effort to assign a 
risk to some Manual classification, which may be 
misinterpreted to cover it, is improper, and will 
not be approved by the Fund. Representatives 
are requested to seek a Manual classification 
which most fairly and adequately represents the 
hazard involved in the risk. No perversion of 
the classification or evasion of the requirements 
in this Manual will be permitted. 

GENERAL INSTRUCTIONS. 

Representatives of the Fund should read very 
carefully the rules, classifications, and rates con- 
tained in this Manual* No deviation or altera- 
tions will be permitted, except as they are pro- 
mulgated officially by the Fund. When changes 
in this Manual are made, agents will be notified 
as promptly as possible, and they shall thereupon 
enter such changes herein, and be governed 
thereby. 

(3) 



Representatives must be especially careful to 
see that every portion of the application or pro- 
posal for insurance is correctly prepared, as this 
is the basis of the insurance contract, and any 
inaccuracy or uncertainty as to the nature of the 
risk may lead to serious misunderstanding and 
result in dissatisfaction to the assured, to the 
Fund, and to its representatives. Classifications 
shall be stated as in the Manual, and an estimate 
of pay roll, with the proper premium rate, shall 
appear in all applications or proposals. 

RATES. 

The rates in this Manual cover the entire 
obligation of compensation for bodily injuries 
imposed by chapter 176, Laws of 1913, State of 
California, including the obligation for statutory 
medical aid provided in paragraph (a) of sec- 
tion 15. It is not permissible to write a com- 
pensation coverage policy excluding statutory 
medical aid. 

The rates are based on the average hazard in 
each classification, omitting, however, the hazard 
involved in any part thereof, for which provi- 
sion for separate rating has been made. In ap- 
plying these rates to particular risks, additions 
or deductions will be made according as the 
physical inspection of each such risk shows it to 
be above or below the average for which the rate 
was formed. 

The Fund further reserves the right to arbi- 
trarily or specifically rate any risk which may, 

(4) 



in the opinion of the Fund, require such arbi- 
trary or specific rating. 

MEDICAL AID. 

Paragraph (a) of section 15 of the compensa- 
tion law provides that an injured employee shall 
be furnished such medical, surgical and hospital 
treatment, including nursing, medicines, medical 
and surgical supplies, crutches and apparatus, 
as may reasonably be required at the time of the 
injury and thereafter during the disability, but 
not exceeding ninety days, to cure and relieve 
from the effects of the injury, the same to be 
provided by the employer; and in case of his 
neglect or refusal seasonably to do so the em- 
ployer to be liable for the reasonable expense 
incurred by or on behalf of the employee in pro- 
viding the same. This provision is a part of the 
compensation plan, and is referred to in this 
Manual as "Statutory Medical Aid." 

Compensation rates in this Manual include 
this obligation. Compensation coverage can not 
be written to exclude this obligation. 

PAY ROLL. 

The employer who desires to insure his work- 
men's compensation obligation must cover all his 
operations and include all pay roll of any nature 
at the proper rates. The term "pay roll" as 
used in these rules shall be understood to mean 
any form of remuneration received by an em- 
ployee of any character or grade, whether such 
remuneration is in the form of wages, salaries, 

(5) 



allowances, bonuses, board, store certificates, con- 
tract price for piece-work, or any other consid- 
eration moving from the employer to the em- 
ployee as a part of the contract of employment. 
The pay roll shall not, however, include special 
reward for meritorious achievement, for dis- 
covery, nor pure gratuities, nor the results of 
voluntary profit-sharing arrangements, provided 
these or any of them are no part of the contract 
of employment, or the actual consideration there- 
for. 

EXECUTIVE OFFICERS. 

"Executive Officers," for the purposes of this 
Manual, shall mean those officers of a corporation 
commonly known and styled as president, vice- 
president, secretary or treasurer, and shall in- 
clude, in addition thereto, any other executive 
officers enumerated in and empowered by the 
charter or any regularly adopted by-law of the 
corporation and who are elected or appointed 
and empowered by the directors. 

Employers may be practically classed in three 
divisions — individual, copartnership, and cor- 
poration. An individual employer obtains his 
remuneration from his business in the form of 
profits rather than wages, and his remuneration 
forms no part of that remuneration which N fur- 
nishes the basis for premium computation under 
these rules. A copartnership employer repre- 
sents an arrangement under which each of the 
partners draws his compensation out of the busi- 
ness theoretically under the form of undivided 

(6) 



profits, but practically in an agreed amount 
known in business as a "drawing account" of a 
partner. This remuneration of the various mem- 
bers of a copartnership, no matter how many 
there may be, does not become a part of the 
remuneration which furnishes the basis for pre- 
mium computation under this Manual. 

These conditions find no equivalent where the 
employer is a corporation, and it is and should 
be the effort of those devising just and equitable 
rules for premium distribution to bring all risks 
to the same common level, so far as the character 
of the employer is concerned, leaving differentials 
entirely to operations rather than to organiza- 
tion. 

In the actual transaction of business the execu- 
tive officers of a corporation, as above defined, 
are in most respects quite like the members of a 
copartnership as regards the contract of em- 
ployment. 

As respects the remuneration of executive 
officers as above defined, the Fund in the applica- 
tion of this Manual will exclude entirely such 
remuneration from the pay roll to which pre- 
mium rates shall apply, as in this Manual pro- 
vided, or will, at the option of the applicant, 
include such executive officers within the com- 
pensation coverage, and no premium charge will 
be made upon any portion of the earnings of any 
executive officer in excess of $1,666.66 per an- 
num ; that amount shall be arbitrarily considered 
the annual earnings of each executive officer for 

(7) 



the purposes of compensation coverage, but this 
rule shall not apply to other employees or to 
persons other than executive officers as above 
defined. 

CLERICAL OFFICE EMPLOYEES. 
It is permissible to state separately in the 
schedule the remuneration of office employees 
engaged in strictly clerical duties, and apply 
thereto the rates provided in this schedule. 

DRAUGHTSMEN. 

It is permissible to state separately in the 
schedule the remuneration of draughtsmen en- 
gaged in strictly office duties and apply thereto 
the rates provided in the Manual for clerical 
office employees. 

In the case of draughtsmen supervising, apply 
the rates applicable to the hazard in connection 
with which such draughtsmen are employed. 

TEAMS. 

Where teams are owned or used by an em- 
ployer, the drivers, helpers, and all other em- 
ployees, either permanently or temporarily 
employed in connection with such teams, shall be 
included at their actual earnings in the pay rolls 
reported. The rate for compensation insurance 
shall be$1.50 for each $100.00 of wages, except for 
the following classifications: " Boilers (steam), 
installation of , ' ' ' ' Millwrights, " " Safe Movers, ' ? 
i { Iron and Steel Workers ' ' and ' * Scrap Iron and 
Junk Dealers, ' ' for which the rates for the classi- 
fications in the Contractors ' Schedule shall apply. 

(8) 



Also, except for Coal Dealers and Logging and 
Lumbering operations, for which the compensa- 
tion rates of the classifications "Coal Mer- 
chants — receiving or shipping by water or by 
land and water/' "Coal Merchants — receiving 
or shipping by land but not by water" and 
"Logging and Lumbering operations with trans- 
portation of logs to mill (not including opera- 
tions of logging railroad) " shall apply. 

Where teams including drivers are employed 
under a contract with the owner of such teams 
for a consideration, only a portion of which is 
the actual pay roll of the drivers, one third of 
the actual amount paid for such teams under the 
contract with the owner shall be considered as 
the pay roll of the drivers, and shall be included 
in the policyholder's pay roll to which the com- 
pensation rate is applicable. 

In some occupations involving the use of teams, 
it is the practice of employers to temporarily 
engage helpers who are paid by the job or by 
the hour and discharged when the particular 
undertaking is ended. These employees are 
usually known as "roustabouts" or "lumpers." 
There is no continuity of employment, nor is 
there regular periodical employment. A roust- 
about or lumper employed upon a job to-day 
may never be employed again or may be em- 
ployed frequently or infrequently at irregular 
intervals. The question whether or not this 
constitutes casual employment which is excluded 
from the operation of the compensation law is 

(9) 



a serious one, but in view of the probable inten- 
tion of the legislature, it seems reasonable to 
assume that although such employment is in a 
sense casual, it is in connection with the regular 
business operations of the employer and should 
not be so regarded. The provision respecting 
casual employment was intended for application 
in other directions, such, perhaps, as the employ- 
ment of an expressman to deliver a package or a 
boy to run an errand, something not constantly 
occurring and not really a part of an employer's 
regular business. Employees of this character 
should be included at their actual earnings in the 
pay rolls reported. 

Adjacent States. — For teams operated in 
states adjacent to and also in the State of Cali- 
fornia, the home address of the assured being 
outside of the limits of the State of California 
and the teams being stabled outside of the State 
of California, compensation coverage may be pro- 
vided for the drivers of such teams while in the 
State of California for $7.50 per driver. Under 
no circumstances is this rule to apply to teams 
stabled or located in the State of California, 
even though they may operate a portion of the 
time in other states. 

Loading and Unloading. — The employees en- 
gaged in loading and unloading must be covered 
by compensation coverage in accordance with 
these rules. Drivers are to be covered at the rate 
provided for drivers, subject to the exceptions to 
that rate, and helpers and all others are to be 

(10) 



covered in accordance with the classification 
which describes the operation undertaken. For 
example, the unloading of structural iron is 
covered as to employees at the structural iron 

rate. 

CHAUFFEURS. 

"Chauffeurs" shall mean, for the purposes of 
these rules, those engaged in the driving of me- 
chanically propelled vehicles customarily used 
upon the highways, but not including vehicles 
operated upon tracks. Chauffeurs may be cov- 
ered under the rules applicable to drivers, but 
the minimum rate for a chauffeur shall be one 
and one half per cent of his actual pay roll. 
This rate applies to chauffeurs both of commer- 
cial cars and those engaged in driving private 
and pleasure cars. Chauffeurs, including those 
privately employed upon pleasure cars, can only 
be covered for compensation when their actual 
pay roll is included with the regular business 
pay roll of the employer, or, if the employer 
has no other business pay roll, a separate policy 
may be issued to cover the compensation to one 
or more chauffeurs, in which event the premium 
rate shall be as above provided. If the chauffeur 
lives in the household of the employer, or is 
boarded or supported by him under any arrange- 
ment which makes the cost of such board or 
support a part of his actual earnings, then his 
cash wages shall be increased by an amount equal 
to fifty per cent thereof, and such total amount 
shall be considered and reported as actual pay 
(ii) 



roll. No policy upon chauffeurs privately em- 
ployed apart from the regular business opera- 
tions of the employer shall be issued for com- 
pensation unless the employer shall warrant that 
he has no other person in his personal employ, 
either in his business or in his household, except 
those included in his policy. 

MINIMUM PREMIUMS. 

A minimum premium is an expression of the 
lowest premium amount for which a single risk 
can be written and carried for any period. 
Where the actual premium computed at the rates 
is less than the minimum premium the minimum 
premium shall be the controlling premium for 
the policy, but where the actual premium com- 
puted at the rates is more than the minimum 
premium, the actual premium shall control. In 
the event of the cancellation of any policy of 
insurance or contract with a policyholder ac- 
cording to its terms, if the minimum premium 
expressed in the policy is the controlling pre- 
mium, cancellation shall be upon the basis of the 
minimum and in accordance with the rules re- 
specting cancellation. 

In the case of any risk classified in any sched- 
ule except the Contractors' Schedule, where work 
is performed away from shop or plant, the as- 
sured shall be instructed in all such cases that a 
separate record of pay roll must be kept and 
proper rates applied thereto in accordance with 
the rates and classifications contained in the Con- 
tractors ' Schedule. 

(12) 



LIMITED AND UNLIMITED INSURANCE. 

The rates given in this Manual are for un- 
limited compensation insurance, but the Fund 
reserves the right to decline to insure any risk 
in which the minimum requirements of the In- 
dustrial Accident Commission with regard to 
construction, equipment and operation are not 
observed, or which is beyond the safe carrying 
of the State Compensation Insurance Fund. 

The Fund further reserves the right to de- 
cline to grant unlimited insurance on any risk 
which, in the opinion of the Fund, includes a 
catastrophe hazard beyond the safe carrying of 
the State Compensation Insurance Fund. 

All classifications appearing in this Manual 
marked with a dagger ( t ) can not be written 
for unlimited insurance without previous au- 
thorization by the management. If accepted 
for limited insurance only, the limit for any one 
accident or disaster shall not exceed fifteen thou- 
sand dollars ($15,000), or such an amount less 
than that sum which, in the opinion of the 
management, shall be necessary to bring the 
risk within the safe carrying of the State Com- 
pensation Insurance Fund. 

For limited compensation insurance the Fund 
may, at its discretion, allow a reduction from the 
net rate of ten per cent thereof, or such other 
percentage reduction as may appear to be 
warranted. 



(13) 



ADDITIONAL INTERESTS. 

Two or more employers engaged in a common 
enterprise involving a common pay roll may 
obtain compensation coverage without additional 
charge because of the additional interests in- 
volved, it being understood that there is but one 
obligation for compensation. 

RESIDENCES, FARMS AND ESTATES. 

For employees in connection with residences, 
farms or estates the following rates shall apply : 
Eesidences — 

For each "Chauffeur," see page 11. 
For each "Coachman," se pages 8-11. 
For each "Gardener,'' "Choreman," or 

"General Laborer," $6.00 per annum. 
For each "House Servant," $4.00 per an- 
num. 
For intermittent labor (meaning occasional 
employment of persons for general labor), 
a blanket charge of $7.00 per annum. 
Farms — 

For all employees, including house servants, 
a rate of $1.50 for each $100.00 of actual 
cash wages exclusive of board and lodging. 
Estates — 

For each "Chauffeur," see page 11. 
For each "Coachman," see pages 8-11. 
For each "Farm Laborer," see page 77. 
For each "Gardener," "Choreman," or 
"General Laborer," $6.00 per annum. 



(14) 



Estates — 

For each "House Servant," $4.00 per an- 
num. 

For intermittent labor (meaning occasional 
employment of persons for general labor), 
a blanket charge of $7.00 per annum. 

Elevators — 

The rate for elevator operators shall be the 
rate of the governing classification of the risk, 
unless the rate for such governing classification 
is lower than $1.50, in which event $1.50 shall 
be the rate to be applied to the actual wages 
earned by those employed to operate the ele- 
vators. If no regular elevator operator is em- 
ployed, the wage expenditure for the operation 
of each elevator shall be considered at not less 
than $500 per annum. Reference is made to the 
Warehouse and Store Schedule and the classi- 
fications therein having reference to elevator 
operators and others having the care and cus- 
tody of buildings and elevators. 



All rates in the following schedules are ex- 
pressed in terms of $100 of the annual pay roll. 



(15) 



BAKERS, CONFECTIONERS, ETC., SCHEDULE- 
RULES. 

Minimum Premium.— $1.50. 
Read General Rules. 



BAKERS, CONFECTIONERS, ETC., SCHEDULE- 
RATES. 

Classification. Rate. 

Adding sugar to cocoa by means of auto- 
matic mixer, including packaging and 
labelling of product (not available for 

division of pay roll) 1.57 

Bakers (bread, biscuit, and cracker) 1.31 

Baking Powder Mfrs 1.31 

Candy Mfrs. 1.57 

Chewing Gum Mfrs 1.31 

Chocolate Mfrs 1.31 

Cocoa Mfrs. 1.31 

Confectionery Mfrs. 1.57 

Cracker Mfrs. 1.31 

Ice Cream Mfrs 1.31 

Licorice Mfrs. 1.31 

Macaroni Mfrs. 1.31 

Pure Food Mfrs. (no milling) 1.31 

Yeast Mfrs. 1.31 



Clfi) 



CHEMICAL, PAINT AND DRUG SCHEDULE- 
RULES. 

Minimum Premium. — $1.50, 
Bead General Rules. 



CHEMICAL, PAINT AND DRUG SCHEDULE- 
RATES. 

Classification. Rate. 

Acid Mfrs. (not otherwise classified) 3.33 

Aerated "Water Mfrs 3.70 

Alcohol and Acetic Acid Mfrs 1.49 

Alum Mfrs. 2.22 

Ammonia Mfrs. 3.33 

Aniline and Alizarine Mfrs 2.40 

Arsenic Mfrs. 3.33 

Assay ers and Analytical Chemists (not 
available for division of pay roll) shop 

work only 2.31 

Benzine Mfrs. 3.70 

Bleaching Powder Mfrs 2.22 

Boiler Preservative Compounds, Mfrs 1.05 

Borax Mfrs. 2.22 

Camphor Mfrs. 1.49 

Capsule (gelatine) Mfrs 1.05 

Carbonic Acid Gas Mfrs „„ 3.70 

Chemical Mfrs. (not otherwise classified) 3.33 

Color (dry) Mfrs 1.05 

Creosote Mfrs. — — 2.22 

Dental Material Mfrs 1.05 

Disinfectant Mfrs. 3.33 

Drug Mfrs. (grinding medicines) 1.05 

Essential Oils, Distillation of 1.05 

(17) 



CHEMICAL, PAINT AND DRUG SCHEDULE- 
RATES— Continued. 

Classification. Rate. 

Extract (dyewood) Mfrs 2.40 

Extract (tanning) Mfrs.__ 2.40 

Flavoring Extract Mfrs 1.05 

Hydrogen and Oxygen Mfrs . 3.70 

Lead (red) Mfrs 3.24 

Lead (white) Mfrs 3.24 

Medicinal Extract Mfrs 1.05 

Mineral Water Mfrs._ 3.70 

Paint Mfrs. (no lead mfg.) 1.05 

Patent Medicine Mfrs 1.05 

Perfumery and Flavoring Essence Mfrs._ 1.05 

Pharmaceutists 1.05 

Pharmaceutical Goods Mfrs. (bandages, 
porous plasters, and like fabrics, not 

otherwise classified) 1.05 

Putty Mfrs. 1.05 

Saltpetre Mfrs. 2.22 

Soda Ash Mfrs 2.22 

Soda-Bicarbonate Mfrs. 1.05 

Sulphur Mfrs. 3.33 

Tartaric Acid Mfrs 1.49 

Varnish Mfrs 3.33 

Vitriol Mfrs. 3.33 

Whiting Mfrs. 1.05 

Wood Preservative Mfrs 2.22 

Wool Extract Mfrs. (lanoline) 1.57 



(18) 



COACH, CARRIAGE AND WAGON SCHEDULE- 
RULES. 

Minimum Premium. — $1.88 

Stamping.— All rates in this schedule include 

stamping hazard, if any. 
Bead General Rules. 



COACH, CARRIAGE AND WAGON SCHEDULE- 
RATES. 

Classification. Rate. 

Automobile Body (metal or wood) Mfrs._ 2.25 

Automobile Mfrs. 1.26 

Note. — This classification applies 
only to concerns turning out automo- 
biles as finished products, including 
the manufacturing of such parts as 
they may manufacture themselves, 
with assembling and finishing of 
automobiles, and is not applicable to 
concerns engaged in the manufacture 
of specific parts, such as motors, 
bodies, castings, and the like. 
Automobile Mfrs. (assembling of manu- 
factured parts only) not available for 

division of pay roll .99 

Axle (wood) Mfrs... , 2.25 

Baby Carriage Mfrs .99 

Car (railroad) Mfrs. (no steel cars) 4.05 

Carriage, Coach and Wagon Mfrs. (not 
manufacturing railroad cars) 1.17 



(19) 



COACH, CARRIAGE AND WAGON SCHEDULE- 
RATES — Continued. 
Classification. Rate. 

Carriage, Coach, and Wagon Mfrs. (as- 
sembling of manufactured parts only) 
not available for division of pay roll__ .90 

Railroad Car Mfrs. (no steel cars). 4.05 

Wheel (wood) Mfrs 2.25 



(20) 



CONTRACTORS' SCHEDULE— RULES. 

Minimum Premium — $3.00. 

Blasting. — Policies written upon classifications 
in this schedule marked with an asterisk 
( # ) and expressed to exclude blasting, may 
be written to cover blasting by the use of 
the Manual classification, rules, and rates 
therefor. The insured must be instructed 
in all cases where the separate blasting rate 
applies, that the amount of blasting pay roll 
expended, as defined under this classifica- 
tion, must be separately kept and reported. 

Railroads. — The rates in this schedule include 
the construction, maintenance, and opera- 
tion by policyholders of temporary work 
roads in connection with the work insured, 
provided such roads are constructed, main- 
tained, and operated exclusively for the 
prosecution of the work covered by the in- 
surance; that such construction, mainte- 
nance, and operation is wholly by means of 
employees of the assured carried on his pay 
roll; and that such railroad has no connec- 
tion with or entry upon the tracks of any 
other railroad. If conditions are not as 
above stated, then all pay roll engaged in 
the operation of the road, but not in its con- 
struction or maintenance, must be separately 
kept, stated under the classification, and at 
the rates provided for railroads in the Mis- 
cellaneous Schedule. 



(21) 



CONTRACTORS' SCHEDULE— RULES— Continued. 

This entire rule applies only to the Con- 
tractors ' Schedule, and not otherwise. 
Read General Bides. 



CONTRACTORS' SCHEDULE—RATES. 

Classification. Rate. 

Additions to, alteration and repair of in- 
sured's existing building or plants (not 
maintenance of equipment covered as 
manufacturing operation) , excluding 
the erection or demolition of structural 
steel or of any fabricated iron or steel 
product or structure, or the construc- 
tion of sewers, tunnels, shafts, or sub- 
ways (only to be written in connection 
with compensation coverage insurance 
policies covering manufacturing plants) 6.12 
Advertising Sign Mfrs. — erection and re- 
pairing only — (to cover only during 

actual performance of the work) 4.37 

Architects, supervising 3.94 

Arms — (heavy ordnance) erecting 6.12 

# Artesian Well Drillers (no blasting) 2.62 

Asphalt Layers — street or sidewalk (in- 
cluding yards and shops) 2.45 

Autogenous Welding (oxy acetylene) 9.19 

Automatic Sprinkler — erection or installa- 
tion 2.62 

Bells, installation of (tower bells) 3.50 

Bill Posters (no erection or repair of 

signs) 2.62 

(22) 



CONTRACTORS' SCHEDULE— RATES— Continued. 

Classification. Rate. 

tBlasting — pay roll to include the whole 
compensation of all employees engaged 
in the storage, handling, or use of ex- 
plosives, and all men employed wholly 
or in part in work preparatory to blast- 
ing, such as loading, capping, connect- 
ing, and firing (policy to be limited 
when issued to cover blasting only) 25.00 

# Blast Furnaces — erecting and repairing 

and relining (no blasting) 9.19 

Boat Builders — constructing canal boats, 

scows and barges exclusively 3.94 

Boat Builders — iron or steel, where staging 
or scaffolding is used, not otherwise 
classified (including shop and yard 
work) . 6.56 

Boat Builders — wood, where staging or 
scaffolding is used, not otherwise classi- 
fied (including shop and yard work) 5.95 

Boat Builders — constructing or repairing 
small yachts, sailboats or rowboats ex- 
clusively, wood or metal, not exceeding 
40 feet over all (including shop and 
yard work) 1.75 

Boat Builders — constructing or repairing 
small yachts, sailboats or rowboats ex- 
clusively, wood or metal, not exceeding 
150 feet over all (including shop and 
yard work) 3.06 

Boiler Scalers 4.37 

(23) 



CONTRACTORS' SCHEDULE— RATES— Continued. 

Classification. Rate. 

Boilers (Steam) — installation of, and con- 
struction of necessary concrete or ma- 
sonry foundations 4.37 

Boilers, taking from one place to another- 3.50 
Brewery Vats within Breweries, both 
metal and wood — installation of (see 
rates, "Millwrights, erecting and re- 
pairing machinery "). 
^Bridge Building — masonry other than 

concrete (no blasting) 7.44 

^Bridge Building — metal (no blasting) __ 12.25 

^Bridge Building — wood (no blasting) 7.44 

Building* — office or mercantile, contrac- 
tors for janitor work, including clean- 
ing and caretaking, also the operation 
of the elevators, heating, lighting, and 

power apparatus on the premises 2.62 

t Building Movers — other than wooden__ 10.41 

fBuilding Movers — wooden buildings 9.19 

t Building raising, shoring buildings, re- 
moving walls and foundations, columns, 

and piers, and rebuilding same 10.41 

Buildings, Portable — erection of 3.50 

Cabinet Work — ("See Carpenters, in- 
terior trim"). 
Cable (electric), placing of same in con- 
duits or subways _^__^_____,_____-_^-_ 3.06 



(24) 



CONTRACTORS' SCHEDULE— RATES— Continued. 
Classification. Rate. 

t Caisson Work for building foundations; 
pay roll to include that of all employees 
working under air pressure and all 
others engaged in or upon the caissons 
or the apparatus connected therewith. 9.19 

t Caisson Work for bridges and other sub- 
aqueous work; pay roll to include that 
of all employees working under air 
pressure and all others engaged in or 
upon the caissons or the apparatus 
connected therewith 11.03 

*Canal Excavating (no blasting) 7.00 

# Canal Lock Construction exclusively, 
with or without excavation (no blast- 
ing) 8.75 

Carpenters — construction work (not 

bridge building) 4.37 

Carpenters — interior trim and cabinet 
work only. (This classification does 
not cover general carpenter work) 2.45 

Carrier Systems inside of mercantile 
buildings only — installation and repair 
of (gravity, pneumatic or power) 2.36 

t*Cellar Excavation (no caisson or sub- 
aqueous work), including digging holes 
and filling them with concrete for foun- 
dations for buildings (no blasting) 
(refer to executive office if unlimited 
insurance is desired) 6.12 



(25) 



CONTRACTORS' SCHEDULE— RATES— Continued. 

Classification. Rate. 

Cement Workers, finishing floors and 
walls, all work being 1 laid on existing 
floors and walls of buildings . _„ 2,19 

t Chimney Construction— stone, brick, or 
concrete, not structural iron or steel. 
(See "Masonry Work, building chim- 
neys only.") 

Citrus Fruit Pickers — by contract only 

(excluding box making) 1.50 

*Clay Digging (no canal, sewer or cellar 
excavation, or underground mining) 
(no blasting) 4.37 

Cleaning and renovating stone fronts of 

buildings 7.00 

Clearing of land, removing of stumps and 
grading for agricultural purposes ex- 
clusively, with or without blasting 2.80 

t Concrete Erection — unit system, con- 
struction of concrete columns, beams, 
roofs, walls and floors in sections in- 
cluding subsequent erection and placing 
of same (refer to executive office if 
unlimited insurance is desired) 7.87 

\ Concrete mixers (mechanical), operat- 
ing of (refer to executive office if un- 
limited insurance is desired) 9.19 



(26) 



CONTRACTORS' SCHEDULE— RATES— Continued. 

Classification. Rate, 

t*Concrete Work: Bridge Building— Pay 
roll to include those engaged in making, 
setting up, and taking down of frames, 
scaffolds, and false work, no caisson 
work (no blasting) (refer to executive 
office if unlimited insurance is desired) 9.19 

t # Concrete Work: Buildings (not grain 
elevators), reinforced concrete construc- 
tion, with self-bearing floors, or other 
horizontal surfaces or parts, constructed 
by means of reinforced concrete. 
Pay roll to include those engaged in 
making, setting up, and taking down 
of frames, scaffolds, and false work (no 
blasting) (refer to executive office if 
unlimited insurance is desired) 9.10 

t* Concrete Work: Buildings (not grain 
elevators), concrete construction, with- 
out reinforcement, either monolithic in 
form or by means of blocks, in which 
floors, beams, and horizontal bearing 
surfaces are not of reinforced or self- 
bearing concrete. Pay roll to include 
those engaged in making, setting up, 
and taking down of frames and false 
work (no blasting) (refer to executive 
office if unlimited insurance is desired) 6.12 

# Concrete Work: Culverts — (See Bridge 
or Building Foundations) (no blasting) . 

# Concrete Work: Dams — (See Water- 
works) (no blasting). 

(27) 



CONTRACTORS' SCHEDULE— RATES— Continued. 

Classification. Rate. 

Concrete Work: Floors or pavements of 
artificial stone or concrete, not rein- 
forced or self -bearing 2.45 

Concrete Work: Foundations for build- 
ings. Pay roll to include those en- 
gaged in making, setting up, and taking 
down frames, scaffolds, and false work, 
excluding all work in tunnels, subways, 
or caissons, for which use proper classi- 
fications and rates 5.25 

Concrete Work: Foundations for piers, 
or abutments for bridges (not concrete 
bridges), retaining walls, water con- 
duits (no tunneling), and other struc- 
tures (not buildings, bridges, or dams). 
Pay roll to include those engaged in 
making, setting up, and taking down 
frames, scaffolds, and false work, ex- 
cluding all work in tunnels, subways, or 
caissons, for which use proper classifica- 
tions and rates 6.12 

t Concrete Work: Grain Elevators — Pay 
roll to include those engaged in making, 
setting up, and taking down frames, 
scaffolds, and false w r ork (refer to exe- 
cutive office if unlimited insurance is 
desired) 9.10 

Conduits, already constructed under- 
ground (placing electrical cable or 
wire therein) _„ 3.06 

(28) 



CONTRACTORS' SCHEDULE— RATES— Continued. 

Classification. Rate. 

^Conduits for electric wires — construction 

work (no blasting) 5.25 

* Contractors building wooden or frame 
private residences, flats, apartments, 
flats with stores underneath, one-story 
stores and stores with offices above, 
private stables and private garages 
exclusively and buildings not mercan- 
tile or factory, all not exceeding three 
stories and basement in height, includ- 
ing jobbing work connected therewith. 
(No blasting.) Not available for cov- 
erage in a policy which also covers other 

classes of building construction 3.32 

Note. — This classification does not 
include the erection of churches, 
theaters or buildings intended for 
state, county or municipal use, such 
as courthouses, city halls or capitol 
buildings. 
^Contractors building private residences, 
flats, apartments, flats with stores 
underneath, one-story stores and stores 
with offices above, private stables and 
private garages exclusively and build- 
ings not mercantile or factory, all not 
exceeding three stories and basement in 
height, where outside walls above foun- 
dations are wholly or in part of 
masonry or concrete, including jobbing 

(29) 



CONTRACTORS' SCHEDULE— RATES— Continued. 

Classification. Rate. 

work connected therewith. (No blast- 
ing.) Not available for coverage in a 
policy which also covers other classes of 

building construction 4.20 

Note. — This classification does not 
include the erection of churches, thea- 
ters or buildings intended for state, 
county or municipal use, such as 
courthouses, city halls or capitol 
buildings. 
Contractors, General — where all work is 
subcontracted, or where contractor per- 
forms work involving more than one 
Manual classification: 

(a) For watchmen and timekeepers 

only 4.37 

(6) For superintendent, watchmen, 

and cleaners 4.37 

(c) Officers and employees supervis- 
ing work . . 4.37 

Note. — Superintendents only can 
not be insured except at the highest 
rated Manual classification for any 
direct work involved. 
Conveyors — coal and ash, installation of 
(in connection with power and manu- 
facturing plants) „ . 7.44 

Conveyors and Hoisting Apparatus — coal 
and ore, installation of (in connection 

with docks) 11.03 

Coppersmiths (away from shop)- 6.12 

(30) 



CONTRACTORS' SCHEDULE— RATES— Continued. 

Classification. Rate. 

Coppersmiths — installing and erecting ap- 
pliances, copper and other sheet metals, 
wholly inside buildings not in course of 

construction 2.62 

Cornices and Skylights — repairing and 

erecting i 6.12 

Corrugated Iron Buildings — erecting on 
or covering buildings already con- 
structed (no structural steel work) 6.12 

Cranes and Derricks — installation of 7.44 

Crib work 6.12 

*Dams — see Waterworks (no blasting). 
Decorators, interior and exterior — hang- 
ing flags and bunting for conventions 

and celebrations 4.81 

Decorators — within buildings only 2.01 

^Diamond Drilling (no blasting) 2.62 

*Ditch digging — irrigation or drainage 
only. (No sewer or canal building, no 

blasting) 3.76 

Divers 11.37 

Door, window frame, or sash, erecting 

and repair — metal or metal covered 2.62 

Dredging — by floating dredges 5.25 

Drilling work — prospecting for ore — (no 

shaft sinking, no blasting) 2.62 

Driving of wells for salt mining 2.62 

t^Dry Docks — construction of (no blast- 
ing) :_. 7.35 

tDry (floating) Docks — construction of 5.69 

(31) 



CONTRACTORS' SCHEDULE— RATES— Continued. 

Classification. Rate. 

tDry Docks — operating docks and repair- 
ing of vessels only (no construction of 
docks) 9.62 

Dumbwaiters — installation of 3.32 

Electrical apparatus, erection and repair 
work only, including the making of 
service connections and the installation 
of equipment in power plants, exclud- 
ing erection of poles and stringing of 
wires 3.06 

Electrical equipment, installation and re- 
pairs within buildings — and on build- 
ings incidental to inside work — includ- 
ing the making of service connections 
for such work, excluding the installa- 
tion of equipment in power plants 2.01 

Electric light and power companies — con- 
struction of transmission lines not in- 
tended for local distribution 6.56 

Electric light and power companies — con- 
struction work exclusively with erection 
of poles 6.56 

Elevators (passenger or freight) erecting 6.12 

Elevators (passenger or freight) repairing 

only 3.50 

Elevator gates — installation of safety 

gates 2.62 

Engines (steam) — installation of 4.37 



(32) 



CONTRACTORS' SCHEDULE— RATES— Continued. 

Classification. Rate. 

t Excavating for bases of dams, retaining 
walls, and bridge foundations — no 
caisson work or cellar excavation (re- 
fer to executive office if unlimited in- 
surance is desired) 6.12 

Farm Machinery — erecting, repairing, 

testing, and demonstrating 3.50 

Fences — wood, stone, metal, or concrete, 

construction of '. 2.36 

Fire Alarms — municipal systems, con- 
struction of 5.25 

Fire Escapes — erecting and repairing 9.10 

Fire inspection of mercantile and manu- 
facturing plants and similar risks 2.19 

Fireproof Construction — by means of wire 
lathing and concreting, excluding roofs, 
floors, and horizontal surfaces 6.12 

Fireproof Construction — reinforced or 
suspended concrete floors (see "Con- 
crete Work: buildings, reinforced con- 
crete construction," etc.). 

Fireproof doors and shutters — erecting 
and repairing inside of buildings ex- 
clusively 2.62 

Fireproof doors and shutters — erecting 

and repairing outside of buildings 9.10 

Fireproof tiles — construction and repair- 6.12 

Floor Surfacing by machines operated by 

electricity 2.45 

Fumigation of buildings 1.14 

(33) 



CONTRACTORS' SCHEDULE— RATES— Continued. 

Classification. Rate. 

Furnaces (heaters or stoves) — putting 
together and setting up in private resi- 
dences only 2.01 

Galvanized Iron and Sheet Iron Work- 
ers — erecting and repairing (no tank 
erection) ^ 6.12 

Gas Machines, acetylene — installation in 
country residences, churches, and fac- 
tories 3.50 

Gas, steam, and hot water apparatus, fit- 
ters and installation of ventilating 
plants (shop and outside). Must in- 
clude shop pay roll, if any 2.01 

# Gas Works — laying of mains and con- 
nections; no tunneling or blasting. 
Rates include gas explosion, inhalation, 
or asphyxiation 5.25 

General Contractors (See Contractors, 
General) . 

Glaziers (away from shop) 2.19 

# Grading Land — no canal or cellar exca- 
vation, excluding railroad construction 
and road or street making, no quarry- 
ing or blasting 3.06 

Gravity Chutes, erection of 4.37 

Hod Hoists, installation, operation, and 
removal of hod elevators and construc- 
tion hoists 7.87 

Hot House Erection 2.62 



(34) 



CONTRACTORS' SCHEDULE— RATES— Continued. 

Classification. Rate. 

House Furnishings (not otherwise classi- 
fied) — installation of .87 

Irrigating Canals- — construction — no rock 

work, blasting or steam shovel work 3.60 

Iron and Steel Lock Gates — construction 

and installation _. 10.94 

tlron Work — erecting steel and iron 

frame structures (no bridge building) _ 12.25 
Iron Work — erecting balconies, fire es- 
capes, railings, staircases, coal chutes, 

iron shutters (outside of buildings) 9.10 

Iron Work — placing iron or steel store 
fronts as alterations of existing build- 
ings (no new construction) 9.19 

Iron, Ornamental — (see Ornamental 
brass, bronze, and iron works within 
buildings — erecting) . 

Jetty and Breakwater building 6.12 

Jobbing Work on Buildings, other than 
private residences, excluding iron and 
steel frame erection and the demolition 

of buildings 5.25 

Ladders — installation of, in buildings, to- 
gether with rollers and tracks for same 2.36 

Lamplighters 2.36 

^Landscape Garden work (no blasting) 2.80 

Lathers . 2.19 

Leather Belting, installation and repair 3.06 

Lightning Rods, erecting 6.12 



(35) 



CONTRACTORS' SCHEDULE— RATES— Continued. 

Classification. Rate. 

Light Prisms — erecting and repairing 

(except in pavements and grade floors) 7.87 

Light Prisms — in pavements and grade 

floors, erecting and repairing 2.45 

Locksmiths, repairing, fitting, and install- 
ing locks in completed buildings (in- 
cluding shop and outside work) 1.14 

Mail Chutes in office buildings — installa- 
tion of 2.36 

Mailing Machines — installation of (see 
Millwrights). 

Mantel Setters and Repairers 1.75 

Marble and Stone Setters — inside con- 
struction 1.75 

# Marble and Stone Setters — away from 
shop (no blasting) 6.12 

Marble and Stone Work — decoration in 

place only 4.37 

Marine Railway — construction of 5.69 

t Marine Railway — handling boats, dis- 
placement 80 tons or less 2.80 

t Marine Railway — handling boats, dis- 
placement over 80 tons 6.12 

t # Masonry Bridges — other than concrete 

(no blasting) 7.44 

t*Masonry Work — building chimneys 
only (no structural iron or steel) (no 
blasting) 9.80 

^Masonry Work — (not otherwise classi- 
fied) (no blasting) 6.12 

(36) 



CONTRACTORS' SCHEDULE— RATES— Continued. 

Classification. Rate. 

Masonry work in connection with 
sewers should take the sewer rate and 
not the "Masonry Work (not other- 
wise classified)" rate. This rate to 
be applied irrespective of whether the 
General Contractor subcontracts the 
masonry work or does it himself. 
Mausoleums, Monuments, and Mortuary 

Work, erecting only 4.81 

Merry-go-rounds, Swings, and other simi- 
lar circular, movable amusement de- 
vices, dismantling, removing, erecting, 

and repairing 7.00 

Metal Ceiling Work — installation away 

from shop 2.19 

Metallic Lathing 2.19 

Millwrights — erecting and repairing ma- 
chinery 3.50 

Mosaic Work — floors only within build- 
ings 1.49 

Mural Decorations and setting stained 
glass windows in churches and public 

buildings 2.01 

Office Furniture and Fixtures— metal, 

erection of _ .__ 1.92 

Oil Producing — including the driving of 
wells and putting raw product in ves- 
sels or pipe lines for transportation 2.62 

Ornamental brass, bronze, and iron work 

within buildings — erecting 5.25 

(37) 



CONTRACTORS' SCHEDULE— RATES— Continued. 

Classification. Rate. 

Owners engaged in construction work, or 
for whom construction work is being 
done (see Contractors, General). 
Oxy acetylene welding (autogenous weld- 
ing) 9.19 

Packers — packing and unpacking furni- 
ture and other household utensils — see 
rates : Warehouse and Store Schedule, 
' ' Storage ( furniture ) . " 
Painting and decorating away from shop 4.81 
Painting and decorating, interior work 

exclusively, away from shop 2.01 

Paper Hangers 2.01 

Parquet Floor Laying 1.49 

Paviors (not otherwise classified) includ- 
ing shop and yard 2.45 

Pile Drivers — including timber wharf 

building thereon, if any 6.12 

Pile Driving for building foundations 6.12 

Plaster Board — erecting away from shop 2.19 
Plaster Block (not fireproof tile) : Parti- 
tions, erection of, inside of buildings 2.19 

Plasterers - 2.19 

Plumbers (including house connections). 

Must include shop pay roll, if any 2.01 

^Pneumatic Tubes — installation of, in- 
cluding construction of conduits and 
manholes, and care and maintenance of 
same (no blasting) „ 5.25 



(38) 



CONTRACTORS' SCHEDULE— RATES — Continued. 

Classification. Rate. 

Portable Bakers' Ovens, installation or 
removal 2.36 

Portable Buildings — erection of 3.50 

Pumps — erection or installation 3.50 

^Railroad Construction — steam — no blast- 
ing, tunneling, or bridge building, in- 
cluding incidental culverts not more 
than 10-foot span and steam shovel 
work 6.12 

# Railroad Construction — steam — no blast- 
ing, tunneling, or bridge building, in- 
cluding incidental culverts not more 
than 10-foot span. No steam shovel. 
(Not available for division of pay roll) 4.81 

^Railroad Construction — electric, horse, or 
cable— with or without installation of 
electric equipment or pole lines con- 
nected therewith, including incidental 
culverts not more than 10-foot span; 
interurban lines exclusively — no blast- 
ing, tunneling, or bridge building. Not 
available for division of pay roll 4.81 

^Railroad Construction — electric, horse, or 
cable — with or without installation of 
electric equipment or pole lines con- 
nected therewith, including incidental 
culverts not more than 10-foot span; 
urban lines entirely within the corpo- 
rate limits of any one city or town — 
no blasting, tunneling, or bridge build- 

(39) 



CONTRACTORS' SCHEDULE— RATES— Continued. 

Classification. Rate. 

ing. Not available for division of pay 

roll 4.11 

Railroad Construction — electric, horse, or 
cable — (not including third rail sys- 
tems). Laying or relaying of rails ex- 
clusively. Not available for divided 

pay rolls 4.11 

Eailroad Construction — electric — rail 
joint welding in street by molten metal 

or electricity 8.75 

Railroad Signal erection or installation 

(not including operation of railroad)-- 5.25 
^Refrigerating Company, excavation and 
laying and repair of pipe lines (no 

blasting) 5.25 

Refrigerating Machinery — installation of_ 3.50 

Riggers — ship or boat 4.55 

tRiggers — not ship or boat 9.10 

*Road or Street Making (no quarrying), 
including incidental culverts not more 

than 10-foot span (no blasting) 3.06 

Roofers, using exclusively felt, paper, 
pitch, or any bituminous material, with 
or without a finished surface of gravel, 

slag or flat tile (not overlapping) 4.81 

Roofers, not otherwise classified 6.12 

Safe Movers 10.50 

Safety Tread — erection and installation. _ 2.89 



(40) 



CONTRACTORS' SCHEDULE — RATES — Continued. 

Classification. Rate. 

Salt Mining — including driving wells 2.62 

t* Salvage Operations — in buildings pre- 
viously damaged by fire, all operations 
incidental thereto, including handling, 
storing, and distributing goods (no 

blasting) 12.25 

*Sand and Gravel Diggers — no canal, 
sewer, or cellar excavation or grading 

(no blasting) 4.37 

Sand Excavation by means of suction 
dredges, including loading and unload- 
ing at docks, wharves, and elsewhere 4.37 

Scaffolds, installation, operation and re- 
moval of 7.87 

Note. — This classification is avail- 
able only to concerns engaged in in- 
stalling and leasing scaffolds to con- 
tractors, including the operation and 
removal of same when work has been 
completed. 
t # Scrap Iron and Junk Dealers — away 
from shop (no blasting). (Refer to ex- 
ecutive office if unlimited insurance is 

desired.) 12.25 

tSewer Building — no limit of depth 11.03 

f Sewer building, maximum depth of ex- 
cavation 7 feet at any point. (Not 
available for division of pay roll) 9.10 



(41) 



CONTRACTORS' SCHEDULE— RATES — Continued. 

Classification. Rate. 

Masonry work in connection with 
sewers should take the sewer rate and 
not the "Masonry Work (not other- 
wise classified)" rate. This rate to 
be applied irrespective of whether the 
General Contractor subcontracts the 
masonry work or does it himself. 
Sewer Cleaning — done by inserting a 
cylinder at one manhole and connect- 
ing it with rods from the next manhole, 
and drawing it through the sewer — 

taking out the sediment in buckets G.12 

*Sewage Disposal Plants — construction of, 
for private houses, institutions, or 
hotels, and not connected with public 

sewers (no blasting) 6.12 

* Sewage Disposal Plants, public — no 

sewer construction or blasting 7.4-1 

t Shaft Sinking 12.25 

Ship or Boat Builders — iron or steel, 
where staging or scaffolding is used, 
not otherwise classified (including shop 

and yard work) 6.56 

Ship or Boat Builders — wood, where stag- 
ing or scaffolding is used, not otherwise 
classified (including shop and yard 

work) 5.95 

Shipwrights — repairing vessels, or the 
machinery therein, while afloat or upon 
a dry dock — - 7.87 

(42) 



CONTRACTORS' SCHEDULE— RATES— Continued. 

Classification. Rate. 

Showcases, outside — erection and instal- 
lation of 2.01 

Shutter erecting and repair, metal or 

metal covered 9.10 

Sidewalk Calking 2.36 

Sign (advertising) Mfrs. — erecting and 
repairing. (To cover only during 

actual performance of the work.) , 4.37 

Sign Painting or Lettering, in buildings 

or structures 2.36 

Sign Painting or Lettering on buildings 

or structures 4.29 

Silo erecting — metal (no blasting) 12.60 

Silo erecting (wood) 7.44 

Slaters — away from shop 6.12 

t*Smokestacks and Chimneys (metal) — 

erecting (no blasting) 11.03 

t Smokestacks and Chimneys — lining of 11.03 

*Snow and Ice — removing (no blasting). 3.50 
Soap Dispensers — installation and inspec- 
tion 1.14 

Soda Water Fountains — installation and 

repair 2.01 

Staff Workers — erecting buildings or 

structures 7.26 

Stairbuilding (wooden) 2.80 



(43) 



CONTRACTORS' SCHEDULE— RATES— Continued. 

Classification. Rate. 

* State or Municipal Road or Street Mak- 
ing, including culverts not exceeding 
10-foot span, excluding quarrying or 
blasting. This classification to include 
the setting up and taking down of road- 
making equipment and appliances at 
the place of work and the operation of 
roadmaking machinery or vehicles, with 
or without horses, or other draft ani- 
mals, also the operation of trucks, 
traction engines and steam rollers or 
other vehicles (not automobiles) in con- 
nection with the work of transporting 
material, merchandise, and equipment 
to and from the place of work. The 
wages of all drivers, helpers and others 
engaged in connection therewith to be 
included in the pay roll and subjected to 
the rates. If teams are hired by con- 
tract, including drivers, then 50 per 
cent of the contract price of the teams 
shall be accepted in lieu of drivers' 
wages 3.06 

For quarrying charge upon the pay roll 
engaged, the rates given in the Manual 
for Quarries (not lime or cement). 
Blasting not involved in quarrying 
operations, charge Manual rate. 

Statuary, in connection with mausoleums, 
monuments, or mortuary work, erection 
only 4.81 

(44) 



CONTRACTORS' SCHEDULE— RATES— Continued. 

Classification. Rate. 

Steam Heating — laying of mains and con- 
nections 5.25 

Steam Pipes or Boilers — applying cork, 
asbestos and other non-conducting ma- 
terials to same 2.01 

Street Cleaners 2.62 

^Street or Road Making — (no quarrying) 
including incidental culverts not more 
than 10-foot span (no blasting) 3.06 

t Subways — for passenger and freight 
traffic — open cut or cut and cover 12.25 

t Subways — for passenger and freight 
traffic — tunneling only 12.25 

*Tank or Gas Holders (metal) — erecting 

(no blasting) 11.03 

Tank (wood) Builders — erecting 7.44 

Tank (metal) erecting within buildings 

exclusively 7.87 

Telegraph or Telephone — construction 

exclusively 5.25 

Telescopes — erecting 2.01 

Theater Stage Rigging — setting up orna- 
mental, architectural and theater iron 
work and all mechanical effects over 
stages of theaters, including hanging of 
signs, setting stairways, iron beams, and 
lintels, all included in the operation of 
stage rigging 7.00 

Thermostats — installation of 2.01 

Threshing Machines and Shellers, opera- 
tion of 5.25 

(45) 



CONTRACTORS' SCHEDULE— RATES— Continued. 

Classification. Rate. 

Tile Work— for decorative floors, wains- 
coting, and interior decoration 1.75 

Tinsmiths — away from shop 6.12 

Traction Harvester, Threshing Machine 

and Farm Machinery, operation of 5.25 

Trees — pruning, spraying, repairing, 
trimming, and fumigating, outside 
limits of towns and cities 4.37 

Trees — pruning, spraying, repairing, 
trimming, and fumigating, in towns 
and cities 4.37 

Tuck Pointing, not available for division 
of pay roll. This classification to apply 
to contractors doing this work exclu- 
sively 7.00 

t Tunneling (including all work to comple- 
tion) 12.25 

t Tunnel Lining only, masonry concrete 
(for previously driven tunnels other- 
wise completed by other contractors). 
(This classification not available if lin- 
ing is done by contractors constructing 
tunnel) 6.12 

Upholsterers — away from shop .87 

Vacuum Cleaning — by means of portable 
air suction cleaning machines — rate to 
be charged on all wages, including 
drivers 2.01 

Vacuum Cleaning Systems — installation 
of 2.01 

(46) 



CONTRACTORS' SCHEDULE— RATES— Continued. 

Classification. Rate. 

Vaults — fire and burglar proof construc- 
tion and installation 5.69 

Vaults — prison vaults and cells 9.19 

Waterproofing cellars and foundations. _ 2.36 
Waterproofing in or on structures (not 
bridges) by means of felt, paper, bur- 
lap or pitch (no roofing and no sub- 
aqueous work) 2.36 

t # Waterworks — erection of standpipes 

and water tow r ers (no blasting) 11.03 

# Waterworks — construction of pumping 
station, dams, and reservoirs (no blast- 
ing) 6.12 

^Waterworks — laying of mains and con- 
nections (no blasting) 5.25 

Weather Strips, in window and doors, 

installation of 1.49 

Windmill erecting 6.12 

Window Calking 7.00 

Window Cleaning 6.12 

Window Cleaning Devices, installation of, 

outside buildings 7.00 

Window Frames, metal — setting in build- 
ings 2.62 

Window Opening Devices— installation of 2.36 
Wire Work, interior, erection only, ex- 
cluding ornamental brass, bronze or 

iron work 2.36 

t # Wreckers — marine (including salvage 

operations) (no blasting) 7.00 

t*Wreckers — no ^ raari n e (no blasting) __ 12.25 

(47) 



ELECTRIC SCHEDULE— RULES. 

Minimum Premium. — $3.00. 
Read General Rules. 



ELECTRIC SCHEDULE— RATES. 

Classification. Rate. 

Electric light and power companies — 
operation, maintenance, extension of 
lines, and making of service connections 6.94 

Electric light and power companies — 
operation, maintenance, extension of 
lines and making of service connec- 
tions, operating no power plant — 
power purchased from others. Add 
50 per cent to Manual rates. 

Electric light and power companies — 
transmission lines not for local distribu- 
tion 6.94 

Electric light and power companies — 
office employees not exposed to oper- 
ating hazard .65 

Telegraph and telephone companies — 
operation, maintenance, extension of 
lines, and making of service connec- 
tions 5.55 

Telegraph and-telephone companies — office 

and exchange employees only .65 

If manufacturing or mercantile plants in- 
sured at the manufacturing or mercan- 
tile rates applicable thereto are engaged 
in the generating of electricity and sup- 

(48) 



ELECTRIC SCHEDULE— RATES— Continued. 

plying the same or any part thereof to 
other plants or buildings, the manu- 
facturing or mercantile rate applicable 
to the plant or location covered shall be 
applied to all pay roll in that plant, 
including the pay roll engaged in the 
generation and distribution of the elec- 
tric current, and in addition thereto 
there shall be charged as an extra rate 
upon that portion of the pay roll act- 
ually engaged in the generation and dis- 
tribution of electric current, including 
the maintenance of the equipment, a 
rate equal to 50 per cent of the rates 
stated in the Electric Schedule under 
the classification "Electric Light and 
Power Companies." This rule shall not 
apply to public service or public utili- 
ties plants nor to any plant having for 
its sole or principal purpose the genera- 
tion and distribution of electric current. 
Note. — Any construction work in 
connection with any risk insured 
under the Electric Schedule to be in- 
cluded at the rates for operation, 
maintenance and extension of lines. 



(49) 



LEATHER AND SHOE SCHEDULE— RULES. 

Minimum Premium. — $1.50. 
Read General Bides. 

LEATHER AND SHOE SCHEDULE— RATES. 

Classification. Rate. 

Bag Mfrs. — traveling, portmanteau, and 

valise _ .99 

Baseball Mfrs. .81 

Boot and Shoe Mfrs .65 

Boot and Shoe Pattern Mfrs. (not avail- 
able for division of pay roll) 1.44 

Counter, Heel, and Sole Cutters — entire 
pay roll to be included without divi- 
sion, except that Manual rate may be 
applied to office pay roll 1.80 

Counter, Heel, and Sole Cutters — no hand- 
fed dinking or stamping machines, 
operated by mechanical power 1.44 

Curriers 1.62 

Cut Sole Mfrs. — entire pay roll to be in- 
cluded without division, except that 
Manual rate may be applied to office 
pay roll 1.80 

Cut Sole Mfrs. — No hand-fed dinking or 
stamping machines, operated by me- 
chanical power 1.44 

Cutting upper leather — handwork only__ 1.44 

Degreasing Skins, being a process of re- 
moving grease from skins, both tanned 
and untanned, by means of a naptha 
medium 6.75 

(50) 



LEATHER AND SHOE SCHEDULE— RATES— Cont. 

Classification. Rate. 

Embossed Leather Mfrs 4.05 

Enamel Leather Mfrs 1.62 

Glove Mfrs. (leather) ____ .65 

Glove Dressers 1.35 

Harness and Saddle Mfrs 1.53 

Leather Belting Mfrs 1.08 

Leather Board Mfrs. — from leather scraps 1.80 

Leather Dressers 1.80 

Leather Embossing 4.05 

Leather Wearing Apparel and Novelties. .90 

Mail Bag or Pouch Mfrs 1.08 

Morocco Dressers 1.80 

Patent Leather Mfrs 1.62 

Pocketbook Mfrs. 1.08 

Shoe and Boot Mfrs .65 

Shoe Stock Mfrs. — entire pay roll to be 
included without division, except that 
Manual rate may be applied to office 

pay roll 1.80 

Shoe Stock Mfrs. — no hand-fed dinking or 
stamping machines operated by mechan- 
ical power L44 

Slipper Mfrs .65 

Tanners 1.62 

Trunk Mfrs. (leather) 2.70 



(51) 



LEATHER AND SHOE SCHEDULE— HATES— Cont. 
Classification. Rate. 

Wool Pullers — consisting of washing the 
wool on the hide under high water pres- 
sure. Operation of a machine which 
removes all burrs and impurities from 
the wool, also a fleshing machine which 
removes the extra particles from the 
hide, the above process being prepara- 
tory to tanning 1.62 



(52) 



LUMBER SCHEDULE— RULES. 

Minimum Premium. — $1.88. 
Read General Rules. 



LUMBER SCHEDULE—RATES. 

Classification. Rate. 

Bark Mills 4.81 

Bark Peeling 4.81 

Box Mfrs. — no machinery 1.66 

Box Mfrs.— steam 2.96 

Box Mfrs. — cigar 1.66 

Box Mfrs. (wire bound) — no manufac- 
turing of lumber used in constructing 

such boxes 2.03 

Cooperage Stock Mfrs.— heads, hoops, 

staves, etc. 4.81 

Excelsior Mfrs. 4.81 

Lath Mfrs 4.81 

Last Block Mfrs 2.96 

Logging and Lumbering operations with 
transportation of logs to mill (not in- 
cluding operations of logging railroad) 4.16 
fLogging Railroad — operation and main- 
tenance of, not including accidents to 
passengers (including maintenance and 
extenson of existing lines) (refer to 
executive office if unlimited insurance 

is desired) 11.20 

Lumber Yard Employees (commercial 

yards only) no mill hazard 2.40 



(53) 



LUMBER SCHEDULE— RATES— Continued. 

Classification. Rate. 

Lumber Yard Employees — (not commer- 
cial yard) — to take highest rate for any 
mill connected therewith. 

Packing Case Mfrs. — no machinery 1.66 

Packing Case Mfrs. — steam 2.96 

Planing and Moulding Mills _ 3.42 

Sash, Door, and Blind Mfrs. (including 
outside employees soliciting and mea- 
suring only) 3.42 

Sawmills (including all employees whose 

duties require their presence in the mill) 4.81 

Shingle Mfrs 4.81 

Stave Mfrs 4.81 

Veneer Mfrs. 4.81 

Wood Yard Employees handling wood 
exclusively (commercial yards only) — 
no mill hazard_____^ ,___ 2.4Q 



(54) 



MEAT PACKING HOUSE AND STOCK YARD 
SCHEDULE— RULES. 

Minimum Premium. — $1.50. 
Read General Rules. 



MEAT PACKING HOUSE AND STOCK YARD 
SCHEDULE— RATES. 

Classification. - Rate. 

Cattle Dealers (not operating stock yards 

— not shipping) 4.53 

Live Stock Shippers 6.47 

Packing-Houses (no handling of live stock 

or slaughtering) 2.90 

t Packing-Houses — including handling of 
cattle and slaughtering: 

Annual pay roll of $100,000 or less.. 3.24 
Annual pay roll in excess of $100,000 4.53 
Pork Packers (see Packing-Houses). 
Refrigerator Cars — loading and unload- 
ing of, and caring for freight in cars 

during transit 3.88 

Sausage Mfrs. 2.90 

Sausage Case Mfrs 2.90 

Slaughtermen 5.83 

Stock Yards with railroad entry — with or 

without slaughtering 6.47 



(55) 



METAL SCHEDULE— RULES. 

Minimum Premium.— $1.50. 

Stamping. — The term i l stamping ' ' as used in 
this Manual applies whenever metals are cut, 
shaped, pressed or stamped by steam or 
other mechanical power, and the feeding of 
the material is done by hand, but not auto- 
matically. Classifications in this schedule 
marked with a star (*) do not include 
stamping within the rate named, while all 
other classifications not so marked include 
the stamping incidental to the process de- 
scribed in the classification. Where stamp- 
ing is to be separately rated and charged for, 
as it must be in the classifications parked 
with a star ( # ), the pay roll of operatives 
employed in the work as above defined shall 
be kept separate from the general pay roll, 
and a premium rate charged thereon of 
$16.50. 

Read General Rules. 



METAL SCHEDULE— RATES. 

Classification. Rate. 

Acetylene Gas Machine Mfrs 2.16 

Adding Machine Mfrs 1.05 

Aerated and Soda Water Apparatus Mfrs. 2.16 
Aeroplane Mfrs., including overhauling 
and repairing in shop and outside, ex- 
cluding operation and demonstration. _ 2.16 
Agate and Enamel Ware Mfrs 6,94 

(56) 



METAL SCHEDULE— RATES— Continued'. 

Classification. Rate. 

Aluminum Ware Mfrs., from sheet alum- 
inum — no rolling mill or smelting oper- 
ations 3.33 

Anchor Mfrs. 2.52 

Annunciator Mfrs. 1.14 

Arms (small arms) Mfrs. — not charging 

shells 1.14 

Arms (heavy ordnance) Mfrs 2.52 

Autogenous welding ( Oxyacetylene pro- 
cess) shop only 5.18 

Automatic Slot or Vending Machines, 
Mfrs. of (including installation in 

place, repairs and taking down) 1.80 

Automobile Engine Mfrs. : 

With foundry 2.25 

Without foundry 1.80 

Automobile Frame Mfrs 3.51 

Automobile Lamp and Lantern Mfrs. 
available only to manufacturers who 
solely manufacture automobile lamps 
and lanterns. This classification not to 
be used for purpose of divided pay roll 2.07 

Automobile Radiator Mfrs 1.22 

Automatic Sprinkler Mfrs 1.22 

Axe Mfrs. — with foundry 2.25 

— without foundry _ 1.80 

Axle (metal) Mfrs 2.25 

Babbitt Metal Manufacturers 1.80 

# Badge (metal) Mfrs 1.80 



(57) 



METAL SCHEDULE— RATES— Continued'. 

Classification. Rate. 

Battery (storage) Mfrs. (Manufactured 

from lead plates) 4.44 

Bedstead (metal) Mfrs _____ 1.80 

Bedsteads (metal) —assembling manufac- 
tured parts only, no stamping 1.22 

Bell Foundry 2.25 

Bicycle and Bicycle Parts Mfrs. (includ- 
ing the assembling of bicycles) 1.14 

Blacksmiths — not shoeing 1.80 

No division of pay roll between those 
shoeing and not shoeing. 

Blacksmiths — shoeing 4.53 

No division of pay roll between those 
shoeing and not shoeing. 
Blacksmiths — shoeing (including leading 
or driving animals of customers to and 

from shop) . 4.53 

Boilermakers 5.18 

Bolt and Nut Mfrs - 1.80 

Boot and Shoe Machinery Mfrs. (exclu- 
sively) 1.62 

Brass Foundry 2.25 

Brass Goods Mfrs 1.80 

Brass or Copper— rolling sheets, drawing 

wire or tubing, cold process 4.44 

Bridge Works 7.77 

Button (metal) Mfrs 1.80 

Cable (wire) Mfrs 3.88 

Can Mfrs. 8.32 

Carbureter Manufacturing exclusively __ 1.89 

(58) 



METAL SCHEDULE— RATES— Continued'. 

Classification. Rate. 

Card Clothing Mfrs 1.22 

Carriage Dashes and Carriage Tops Mfrs. 

(not wooden) 1.53 

Car Wheel Mfrs „„ 5.36 

Cash Register Mfrs _„ 1.05 

Cast Iron Pipe Mfrs 4.16 

Chain Mfrs. J 2.52 

Chandelier Mfrs. 1.80 

Clock Mfrs .87 

Coffin and casket (metal) 3.24 

Confectioners' Machinery Mfrs 1.62 

Copper and Zinc Goods Mfrs. — no rolling 

mill ? no smelting 1.80 

Coppersmiths 1.80 

Cotton Gin Machinery Mfrs 1.62 

Cutlery (not safety razor) Mfrs 1.98 

Cutting Dies Mfrs _„ 1.22 

Decorative Wire Mfrs. (no wire drawing) 1.62 

Drop Forging Works (not hardware) 2.52 

Electric Apparatus Mfrs 1.80 

Electric Crane Mfrs 4.53 

Electric Fixtures Mfrs 1.80 

Electric Welding — shop only 5.18 

Elevator Mfrs. 2.25 

Enamel and Agate Ware Mfrs 6.94 

Eyelet Mfrs. .87 

Feed Water Heaters Mfrs 2.25 

Fenders and Fire Iron Mfrs 2.25 

File Mfrs. 1.89 

Fire Engine Mfrs 2.34 

(59) 



METAL SCHEDULE— RATES— Continued'. 

Classification. Rate. 

Fireproof Equipment Mfrs., including 
herring-bone, expanded metal products, 
metal furniture, filing equipment and 

wood working , 3.15 

Foundry (not otherwise classified) 2.52 

Foundry, bell 2.25 

Foundry, iron 2.52 

Foundry, steel castings 2.52 

Forging Work — hand work only — no ma- 
chinery 1.80 

Forging Work, steam 2.52 

Furnace Mfrs. — house heaters 1.80 

Galvanized Iron Works (shop) 1.80 

Galvanizing or Tinning Sheet Metal, ex- 
clusively (not manufacturing sheet 

metal or metal goods) 1.80 

Gas and Steam Fitters (shop only) 1.80 

Gas or Gasoline Engine Mfrs. (not auto- 
mobile), including engines for boats 

not exceeding 150 h. p 2.34 

Gas Engine Ignition Apparatus Mfrs. 

(not available to Gas Engine Mfrs.)__ 1.14 

Gas and Electric Fixtures Mfrs 1.80 

Gas Holders 3.60 

Gas Machines, Acetjdene 2.16 

Gas Meter Mfrs 1.62 

Gauges and Valves Mfrs 1.14 

Gear Grinding and Manufacturing 1.71 

Gold Leaf Mfrs .87 

Gum Vending Machine Mfrs 1,80 

(60) 



METAL SCHEDULE— RATES— Continued'. 

Classification. Rate. 

Gun, Rifle and Pistol Mfrs. (not charging 

shells) 1.14 

# Hardware (builders) Mfrs., butts, hinges, 
locks, doorbolts, window-catches, lifts, 
and such other light hardware as is 
used exclusively for the trim of build- 
ings 1.14 

# Hardware (carriage) Mfrs. (not other- 
wise classified) : 1.14 

# Hardware (saddlery) Mfrs. (not other- 
wise classified) 1.14 

Horse Shoe Mfrs 1.80 

Ignition Apparatus for gas engine mfrs. 

(not manufacturing gas engines) 1.14 

Instrument (professional or scientific) 

Mfrs. __ . .87 

Iron and Steel Works — shop. (See Steel 
Works.) 

Iron Foundry 2.52 

Jewelry Mfrs. .61 

# Label (metal) Mfrs 1.80 

Lamp and Lampshade Mf rs , metal work, 
including plating. ( See Lamp and Lan- 
tern Mfrs.) 

*Lamp and Lantern Mfrs 5.55 

^Lampshade Mfrs. 1.80 

Lawn Mower Mfrs 1.62 

Lead Works — sheet, pipe, shot (no smelt- 
ing) . 3.24 

*Lock Mfrs. - 1.14 

C61) 



METAL, SCHEDULE— HATES— Continued 1 . 

Classification. Rate. 

Locomotive Works 3.15 

Loom-Harness, Cop-Tube and Shuttle 

Mfrs. _____ . -_._.-„_,_._ 1.14 

Loom Mfrs. _ ____ 1.14 

Machine Shops— with foundry __ _ 2.25 

Machine Shops — without foundry __ . 1.80 

Magneto Mfrs. 1.22 

# Mail Box Mfrs 1.62 

Mailing Machine Mfrs _____________ 1.80 

Malleable Iron Works_________________ 2.52 

Marine Engine Mfrs. — not more than 150 
h. p. (no division of pay roll) — with 

foundry 2.25 

— without foundry 1.80 

Marine Engine Mfrs. — more than 150 

h. p. (no division of pay roll) 3.24 

Mattress (wire) Mfrs - 1.80 

Metal Ceiling Mfrs 3.24 

Metal Goods Mfrs. (not otherwise classi- 
fied) 6.47 

Metal Screen Mfrs. (window or door) 1.80 

Metal Spinning (not available for divi- 
sion of pay roll)_^ 1.80 

Mining and Milling Machinery Mfrs. 
(including crushers and rolls, slime 
classifiers, jigs and transmission ma- 
chinery) 4.53 

Motorcycle and Motorcycle Parts Mfrs. 
(including the assembling of motor- 
cycles) 1.14 

(62) 



METAL SCHEDULE— RATES— Continued'. 

Classification. Rate. 

Musical Instrument Mfrs. (metal) 1.14 

Nail and Spike Mfrs 1.80 

Needle Mfrs. .87 

Numbering Machine Mfrs 1.05 

Nut and Bolt Mfrs 1.80 

•Oil Stove Mfrs . 1.44 

Ornamental Iron Works. See Iron and 

Steel Works— shop. 
Oxyacetylene Welding (Autogenous 

welding) shop only 5.18 

Patent Metal Mfrs. (i. e., rolling of metal 
into thin sheets for wrapping tobacco, 

chewing gum) - 1.44 

Pen Mfrs .87 

Phonograph Mfrs. 1.05 

Piano Plates Mfrs. exclusively, including 
pattern shops and finishing (not avail- 
able for division of pay roll) 1.62 

Piano Wire Mfrs. (not wire drawing) 1.62 

Picture Wire Mfrs. (not wire drawing) __ 1.62 

Pin Mfrs .87 

Pipe (cast iron) Mfrs 4.16 

Pistol Mfrs. — not charging shells 1.14 

Plumbers (shop only) 1.80 

Plumbers' Supplies Mfrs 1.80 

Printing Press Mfrs 1.53 

Projectile, Shell or Case Mfrs. — no loading 

or testing with explosives 3.24 

Pulley Block (metal) Mfrs 1.62 

Pump Mfrs. 2.16 

(63) 



METAL SCHEDULE — RATES— Continued'. 

Classification. Rate. 

Radiator (for automobiles) Mfrs 1.22 

Radiator Mfrs. 1.80 

Razor Mfrs. (not safety razors) 1.44 

Razor (safety) Mfrs .. 2.43 

Revolver Mfrs. — not charging shells 1.14 

Road Roller Mfrs _, 4.53 

Sad Iron Mfrs. ("Flatirons") 1.80 

Safe Mfrs 4.53 

Saw Mfrs. 1.14 

Scale Mfrs. 1.14 

Screw Mfrs 1.14 

Sculptors, statuary and ornamental work 
in bronze, including moulding and cast- 
ing 1.35 

Sewing Machine Mfrs. (exclusively) 1.14 

*Sheet Iron Stoves (oil or gas) 1.44 

Sheet Metal Workers (see Galvanized 
Iron Workers). 

Shot Works 3.24 

Shovels, Spades, Scoops and Hoes and 

Gardening Tools, Mfrs 1.80 

Silo Builders (shop only) 3.60 

Silverware Mfrs. .87 

Skate Mfrs. 1.05 

Slot Machine Mfrs 1.80 

Soda Water Apparatus Mfrs 2.16 

Speedometer, with or without Odometer, 
for use on vehicles, including installa- 
tion of same away from factory 1.62 

Spring Bed Mfrs 1.80 

(64) 



METAL SCHEDULE— RATES— Continued, 

Classification. Rate. 

Spring Mfrs. (not railroad carsprings) 1.80 

Sprinkler (automatic) Mfrs._-_-»-__ 1.22 

Stamping (tin and metal) Works- 16.50 

Stationary Engines — steam or gasoline 
(not otherwise classified) Mfrs. — not 
more than 150 h. p., no division X)f pay- 
roll: 

With foundry 2.25 

Without foundry 1.80 

Stationary Engines — steam or gasoline 
(not otherwise classified) — more than 

150 h. p 3.24 

Steam and Air Pressure Gauge Mfrs 1.14 

Steam Packing Mfrs. — metal 1.80 

Steam Radiator Mfrs 1.80 

Steam Road Roller Mfrs 4.53 

Steam Shovels, Dredges, and Ballast Un- 

loader Mfrs. 4.53 

Steel Freight Cars, Pressed Steel Truck 

Frames, and Bolster Mfrs 5.18 

Steel Works : 

Steel Works — open hearth, bessemer, 
and crucible, or open hearth and besse- 
mer, casting ingots, and puddling or 

blooming mill operations 6.94 

Steel Works — crucible, casting ingots, 
and puddling or blooming mill opera- 
tions. This classification not available 
for divided pay roll purposes 5.18 



(65) 



METAL SCHEDULE— RATES— Continued'. 

Classification. Rate. 

Rolling Mills — operated in connection 
with steel works, rolling products of 
every description, including rod mill 5.18 

Rolling Mills — operated in connection 
with steel works, rolling products of 
every description — no rod mill. 4.25 

Rolling Mills — rolling of brass, cop- 
per and other soft metals. No iron or 
steel rolling work, no bar manufactur- 
ing, no blast furnace, converter or cast- 
ing of steel 2.52 

Rolling Mills — rolling of rods only, 
no blast furnace, converter, or casting 
of steel. This classification not avail- 
able for divided pay roll purposes 6.94 

Rolling Mills — rolling of metal plates 
and sheets only, including dipping for 
galvanizing purposes. No blast fur- 
nace, converter, or casting of steel. This 
classification not available for divided 
pay roll purposes 4.25 

Rolling Mills — rolling of bars only. 
No blast furnace, converter, or casting 
of steel. This classification not avail- 
able for divided pay roll purposes 3.42 

Tin and Terne plate rolling from tin 
plate bars, including dipping. No tin 
plate bar manufacturing and no blast 
furnace, converter, or casting of steel. _ 2.52 

(66) 



METAL, SCHEDULE— RATES— Continued'. 

Classification. Rate. 

Iron and Steel Works — shop, fabri- 
cating and assembling structural iron 
and steel. No blast furnace, converter, 

or casting of steel, or rolling mill 7.77 

Iron and Steel Works — shop, fabri- 
cating, assembling, and manufacturing 
railings, balconies, fire escapes, stair- 
cases, mail chutes, iron shutters, and 
other iron work (not structural iron 
or steel), and ornamental brass, bronze, 
and iron work. No blast furnace, con- 
verter, or casting of steel or rolling mill 3.24 

Iron and Steel Works — shop, manu- 
facturing ornamental brass, bronze, and 
iron work exclusively. No blast fur- 
nace, converter, or casting of steel or 
rolling mill. This classification not 
available for divided pay roll purposes. 2.25 

*Stencil Mfrs 1.05 

Stove Mfrs. (not sheet iron) 1.14 

*Stove Mfrs. (sheet iron) 1.44 

Structural Iron and Steel Work. (See 
Iron and Steel Works.) 

Sword Mfrs. 1.80 

Tack Mfrs 1.35 

*Tag, Check and Label (metal) Mfrs 1.80 

Tank Builders (shop only) 3.60 

Telegraph and Telephone Apparatus Mfrs. 1.05 

Telescope Mfrs .87 

Textile Machinery Mfrs 1.62 

(67) 



METAL SCHEDULE— RATES— Continued 

Classification. Rate. 

Thermometer Mfrs. 1.62 

Thermostat Mfrs. 1.62 

Tin Can Mfrs 8.32 

Tin Foil Mfrs _ 1.44 

Tin Plate Mfrs. (See Steel Works.) 
Tin Plate Rolling and Dipping. (See Steel 

Works.) 

Tinsmith Shop (not otherwise classified). 1.80 
Tool Mfrs. (not mfg. machinery) (not 

otherwise classified) 1.05 

Toy (metal) Mfrs._ 6.94 

Tube (metal) Mfrs 3.60 

Type Founders 1.62 

Typesetting Machine Mfrs 1.05 

Typewriter Mfrs. 1.05 

Vacuum Cleaner Mfrs 1.62 

Valve and Gauge Mfrs 1.14 

Ventilator Mfrs 1.80 

Voting Machine Mfrs 1.62 

Watch Mfrs. .61 

Watch Case Mfrs .87 

Water Meter Mfrs 1.62 

Water Tower Mfrs. (shop only) 4.53 

Water Wheel (metal) Mfrs 2.25 

Weighing Machine Mfrs 1.80 

Welding, electric or autogenous (oxy- 

acetylene process) shop only 5.18 

Wheel (metal— automobile) Mfrs 1.80 

Wheel (metal— car) Mfrs 5.36 

Wheelbarrow (metal) Mfrs 3.24 

(68) 



METAL SCHEDULE— RATES— Continued'. 

Classification. Rate. 

Windmill (metal) Mfrs.__ 4.53 

Wire Basket and Cage Mfrs „ 1.62 

Wire Cloth Mfrs.— 1.14 

Wire (decorative) Mfrs. (no wire draw- 
ing) 1.62 

Wire Drawing Works 4.44 

Wire (dress form) Mfrs 1.62 

Wire Fence Mfrs. (no wire drawing) 1.80 

Wire Nail Mfrs 1.80 

Wire, Piano Wire Mfrs. (no wire draw- 
ing) 1.62 

Wire, Picture Wire Mfrs. (no wire draw- 
ing) 1.62 

Wire Rope Mfrs 4.44 

Wrought Iron Pipe Mfrs. 4.44 

Zinc and Copper Goods Mfrs. (no rolling 

mill, no smelting) 1.80 



(69) 



MILLING SCHEDULE— RULES. 

Minimum Premium. — $1.50. 
Bead General Rules. 



MILLING SCHEDULE— RATES. 

Classification. Rate. 

Corn Milk _ 3.05 

Flour Mills 3.05 

Grist Mills 3.05 

Hominy Mills 3.05 

Millers (not otherwise classified) 3.05 

Oatmeal Mills 3.05 

Pure Food Mfrs. (including milling) 3.05 

Rice Mills __,__, 3.05 



(70) 



10 



MINING (Except Coal) SCHEDULE— RULES. 

Minimum Premium. — $3.00. 

Blasting. — All rates in this schedule include 
blasting, if any. 

Construction, Reconstruction, Maintenance 
and Repair;. — All rates in this schedule 
include the construction, reconstruction, 
maintenance and repair of all buildings or 
structures used or maintained in connec- 
tion with mining operations, if done by 
employees of the assured or employees of a 
contractor whose pay roll is included in the 
pay roll of the assured. 

General. — The office force and the employees 
of the commissary stores may be written at 
the clerical office force rate for manufactur- 
ing plants in connection with mining risks. 

Bead General Rules. 



MINING (Except Coal) SCHEDULE— RATES. 

Classification. Rate. 

tClay or Shale Mines, shafts, tunnels, or 

drifts 7.86 

tClay or Shale Mines, surface, no shafts, 

tunnels, or drifts 7.86 

tCopper Mines 7.86 

fFeldspar Mines 7.86 

tGold Mines 7.86 

tGraphite Mines 7.86 

tGypsum Mines 7.86 

tlron Mines, shafts, tunnels, or drifts — 9.80 

(71) 



MINING (Except Coal) SCHEDULE — RATES — Cont. 

Classification. Rate. 

tlron Mines, surface, no shafts, tunnels, 

or drifts 7.86 

tLead Mines 7.86 

tLead and Zinc Mines, milling, prospect- 
ing and shaft sinking, including instal- 
lation of machinery and erection, con- 
struction and repair of premises and/or 

plant 7.86 

fManganese Mines 7.86 

tMica Mines 7.86 

fNickel Mines 7.86 

tOre Mines' (not otherwise classified), 

shafts, tunnels, or drifts 9.80 

tOre Mines, surface, no shafts, tunnels, 

or drifts (not otherwise classified) 7.86 

Ore Mines, prospecting and exploring 
only, no development or operation, ex- 
cluding prospecting by means of dia- 
mond drilling, jumper or drop drilling, 
or any work in shafts, tunnels, or drifts 6.75 

t Phosphate Mines 7.86 

tRock Salt Mining and Quarrying 7.86 

tSilica Mines 8.32 

fSilver Mines 7.86 

tSulphur Pyrites Mines 7.86 

tTalc Mines 7.86 



(72) 



MISCELLANEOUS SCHEDULE— RULES. 

Minimum Premium. — $1.50. 

Stamping. — All rates in this schedule include 
stamping hazard, if any. 

Blasting. — Policies written upon classifications 
in this schedule marked with an asterisk (*) 
and expressed to exclude blasting, may be 
written to cover blasting by the use of the 
Manual classification, rules and rates there- 
for. The insured must be instructed in all 
cases where the separate blasting rate 
applies, that the amount of blasting pay 
roll expended, as defined under this classi- 
fication, must be separately kept and 
reported. 

Railroad Hazard. — For railroads in connection 
with manufacturing plants, if insured plant 
does not supply motive power, no separate 
charge for railroad hazard. If insured 
plant supplies motive power, and railroad is 
entirely upon the premises covered by the 
policy, no separate charge for railroad 
hazard. If cars are moved by steam cap- 
stan or drum, not itself movable, no sep- 
arate charge for railroad hazard. 
Logging Railroads shall not be considered as 
entirely upon the premises of the insured. 
Subject to the foregoing, upon all risks in 
connection with which a railroad is oper- 
ated, a separate pay roll of all employees 
engaged in the operation, maintenance, and 
repair of such railroad shall be rendered 

(73) 



MISCELLANEOUS SCHEDULE— RULES— Continued. 

and subjected to the premium rate required 
in this Manual. 
Read General Rules, 



MISCELLANEOUS SCHEDULE—RATES. 

Classification. Rate. 

Abdominal Truss Mfrs 1.14 

tAcetylene Gas Tank Charging Stations- 16.65 
Advertising Novelties and Sign Mfrs. (not 

metal, celluloid or glass) 1.89 

Agricultural Implement Mfrs 3.24 

Analytical Chemists, including shop work 

and work performed away from shop__ 3.15 

Appraisers of Buildings and Machinery 1.14 

Artificial Limb Mfrs 1.57 

Asbestos Goods Mfrs 2.16 

Asphalt Works (shop and yards only) 3.15 

Auditors, Accountants, and Systematizers : 
Clerical Office force, traveling audi- 
tors, accountants, and office systema- 
tizers .21 

Factory Cost Systematizers .87 

Automobile Salesrooms (no garage or re- 
pair shop ; no movement of cars except 
by hand) — entire compensation of 
salesmen and clerical force to be in- 
cluded .63 

Awning and Tents Mfrs. — shop and erect- 
ing 2.52 

Bean — sorting and picking 1.19 

(74) 



MISCELLANEOUS SCHEDULE— RATES— Continued. 

Classification. Rate. 

Beet Sugar Mfrs 3.60 

Blacking (shoe) Mfrs._ __. __ 1.57 

Black Lead Mfrs 2.52 

Bone and Ivory Turners 2.52 

Bone Workers — not cleaning or trimming 

in connection with packing-houses 2.52 

Bottling Works — (no bottling under pres- 
sure) 2.52 

Bottlers (bottling under pressure) 4.50 

Breweries (with or without bottling) 2.25 

Buffing Wheel Mfrs. (cloth or leather 

only) 1.49 

Building Material Dealers (yard work 
only — no second-hand materials or lum- 
ber yard) 2.70 

Building Material Dealers (yard work 
only — second-hand materials) — (see 
Junk Dealers). 

Butchers' Supplies Mfrs 3.60 

Button Mfrs. (not metal or celluloid) 1.75 

Cab Companies — stable hazard only 4.05 

Cables — insulation of, for electrical pur- 
poses 1.75 

Canneries (no can mfg.) 3.15 

Carbon Mfrs. (not electrochemical pro- 
cess) 2.52 

Carbon Black Mfrs 2.70 

Carpet Cleaning or Beating Works 3.60 

tCartridge Mfrs. 16.50 

Caterers 1.14 

(75) 



MISCELLANEOUS SCHEDULE— RATES— Continued. 

Classification. Rate. 

Celluloid Goods Mfrs. (from sheets of 
celluloid or compositions containing 

celluloid — no celluloid mfg.) 3.60 

t Cellulose Mfrs. 6.47 

^Cemetery Companies — no blasting 1.89 

Chair Seats Mfrs. (from prepared fiber 

only) -_ 1.31 

Charcoal Dealers (no furnaces) 1.49 

Cider Mfrs 1.57 

Circular Loom Mfrs. (flexible piping for 

electric wires) 1.75 

Cleaners and dyers 3.60 

Coal Billet and Briquette Mfrs 2.52 

Coal Merchants — receiving or shipping by 

water or by land and water 4.14 

Coal Merchants — receiving or shipping by 

land but not by water 2.70 

Cocoa Fibre Mfrs 2.16 

Cocoanut Shredding and Drying 1.98 

Coffee Manipulators or Cleaners (not 

grinders or roasters) 1.05 

Coffee Roasters and Grinders 1.05 

Compressed Food Mfrs. (tablet form only) 1.05 
Cord and Binder Twine Mfrs. (not cord- 
age) 2.16 

Cordage Mfrs 3.60 

Cotton Compressing and Ginning 2.88 

Cotton Packing for Steam Engine Mfrs._ 1.75 

Crayon Mfrs. 1.57 

Creamery and Dairy Supplies Mfrs 2.52 

(76) 



MISCELLANEOUS SCHEDULE— RATES— Continued. 
Classification. • Rate. 

Creamatories — operating 2.70 

Culm (slack or coal refuse) Washing 2.52 

Curled Hair Mfrs 1.89 

Dexterine Mfrs. 6.47 

Diamond Cutters and Setters .61 

Distilling 3.15 

Draughtsmen (engaged strictly in that 
profession) — office duties only. See 
rates "Clerical Office Employees." 
Drivers (see Rule entitled "Teams," 

page 8. 
Dry Battery Mfrs., including zinc con- 
tainers and metal parts, with stamping, 

if any 2.88 

Dry Battery Mfrs., not making zinc con- 
tainers or metal parts 1.98 

Dyers and Cleaners 3.60 

Egg Drying 1.57 

Electric Insulators, Lava Tips, and Slate 

Pencil Mfrs. 1.89 

Elevated Railroad 7.40 

Emery Cloth Mfrs 1.49 

Emery or Carborundum Wheel Mfrs 2.52 

Enamel Cloth Mfrs 1.98 

Express Companies — including loading 
and unloading operations, but exclud- 
ing accidents caused by horses and 

vehicles (no contract liability) 2.52 

Eyeglass and Spectacle Mfrs .61 

# Farm Laborers — (no blasting) 1.50 

(77) 



MISCELLANEOUS SCHEDULE— RATES— Continued. 

Classification. Rate. 

Fertilizer Mfrs. (no reduction of garbage 

or offal) _____ 2.70 

Fiber Mfrs. — for mats and matting____ 3.60 

tFiremen (paid or volunteer) ___, 6.94 

fFire Patrol and Salvage Corps 4.32 

Fireproof Door and Shutter Mfrs. (wood 

covered with sheet metal) 3.15 

t Fireworks Mfrs. (no exhibition work)..* 16.50 
Fish CurerS; Packers, and Dealers (no 
vessel hazard or ice harvesting), not 

available for division of pay roll 1.57 

Fishing Tackle Mfrs 1.49 

Florists — cultivating and gardening (not 

to cover away from insured's premises) 1.31 

Fountain Pen Mfrs .87 

Fruit Evaporators 1.57 

Fruit (dried) Packers — not fruit evapo- 
rators (excluding box factories)-. .87 

Fur Goods Mfrs. (not preparing skins) — .52 

Fur Mfrs. (preparing skins) 1.75 

tFuse Mfrs. 16.50 

Garbage Works — (reduction or incinera- 
tion of garbage or offal) 7.40 

Garbage Collectors — refuse and ashes (ex- 
cluding teams and not employed in gar- 
bage reduction or fertilizer plants) 2.16 



(78) 



11 



MISCELLANEOUS SCHEDULE— RATES-t-Continued. 

Classification. Hate. 

Gas Works — operating of gas house, main- 
tenance of existing works and mains, 
and making of house connections. 
(Compensation coverage includes gas 

explosion, inhalation, or asphyxiation). 2.25 

Gelatine Mfrs 1.40 

Gilding and Electroplating 1.57 

Glucose Mfrs. 6.47 

Glue Mfrs 1.57 

Gold Platers 1.57 

Graphite Mfrs. (not mfrs. of artificial 
graphite, for which see Ore Reduction 

tion Schedule) 2.52 

Hair Goods Mfrs. — not otherwise classi- 
fied 1.98 

Hair (human) Goods Mfrs 1.31 

Hatters, Fur, Mfrs .70 

Horse Dealers — including exhibitions and 

delivery of horses . 6.47 

Ice (artificial) Mfrs 3.60 

Ice Companies — harvesting and storing. _ 5.55 

Ice Cream Freezer Mfrs 2.70 

Ice Dealers (no harvesting) 3.60 

Incandescent Lamp Mfrs 1.05 

Ink (printing) Mfrs 1.57 

Ink (writing) Mfrs 1.31 

Irrigation Works — operating and mainte- 
nance, including ordinary extension of 

laterals 2.70 

Isinglass (fish glue) 'Mfrs. _„„____-. , 1.57 

(79) 



MISCELLANEOUS SCHEDULE— RATES — Continued. 

Classification. Kate. 

Isinglass (mica) Mfrs. 1.14 

Ivory Turners 2.52 

Jams, Jellies and Preserves, preparing.. 1.14 

Jewelry Box Mfrs 1.14 

Lamp Black Mfrs 2.52 

Lapidaries r .61 

Laundries (not available for division of 

pay roll) 3.78 

Laundry — no machinery, doing hand 
work exclusively (not available for 

division of pay roll) 1.05 

Laundry — wet wash (not available for 

division of pay roll) 1.40 

Lead (black) Mfrs 2.52 

Lens Mfrs. .61 

Life Floats Mfrs 1.40 

Linoleum and Cork Carpet Mfrs 3.15 

Livery and Boarding Stables, within the 

building walls only (not selling) 5.09 

Lumber Dealers, Coal Merchants, Build- 
ing or other Material Dealers — receiv- 
ing or shipping by water or by land 

and water 4.14 

Lumber Dealers, Coal Merchants, Build- 
ing or other Material Dealers — receiv- 
ing or shipping by land but not by 

water 2.70 

Mailing and Addressing Companies .70 

Match Mfrs. (excluding lumbering and 

sawmill operations) 3.60 

(80) 



MISCELLANEOUS SCHEDULE— RATES— Continued. 
Classification. Rate. 

Metal Polish Mfrs. (no can mfg.) 1.57 

Mica — preparation of, for electrical insu- 
lation 1.75 

Military Goods Mfrs. (no metal stamping) 1.57 

Milk, Powdered, Mfrs 1.14 

Mirror Mfrs. — silvering and beveling only 1.14 

Molasses and Syrup Mfrs 2.52 

Moving Pictures — Employees in build- 
ings, yards, or outside representing 
scenes for moving pictures (not operat- 
ing moving picture shows) 6.47 

Mucilage Mfrs. 1.57 

Municipal Bisks — all employees engaged 

in strictly clerical duties .16 

Municipal Risks — all employees not en- 
gaged in manual labor and not engaged 
in clerical office duties, and not other- 
wise classified. (This classification in- 
cludes such employees as those engaged 
in laboratory work, inspectors of the 
board of health, electrical inspectors, 
building inspectors and similar occupa- 
tions 1.85 

Municipal Sewage Disposal Plants — oper- 
ation only (construction work to be 
covered separately at Manual rates for 

the proper classification) 2.52 

Mustard Mills .87 

News Agents (same classification and rates 

as Express Companies) 2.52 

(81) 



MISCELLANEOUS SCHEDULE— RATES— Continued. 

Classification. Rate. 

Nickel Platers and Finishers 1.57 

Nurserymen (not to cover away from in- 
sured's premises) 1.31 

Nuts — handling, cleaning, and shelling. _ 1.05 

Oakum Mfrs. 1.57 

Oil Cloth (all kinds) Mfrs.____ 3.15 

Oil Distributing Companies 2.25 

Omnibus Companies (inside stable walls 

only) (not selling) 5.09 

Optical Goods Mfrs .61 

Painters (in shop) 2.07 

Painters (in shop) painting automobile 
and carriage bodies only (not available 

for division of pay roll) 1.05 

Paste Mfrs. 1.14 

Peanut handling, cleaning, sorting and 

storing 1.05 

Phonograph Record Mfrs 1.05 

Phosphate Works (no mining) 2.70 

Photographers — outside work — (not pro- 
ducing moving pictures) 3.15 

Photographic Sensitive Films and Dry 
Plates (manufacturing and develop- 
ment of negatives only) 1.05 

Photographic Supplies Mfrs._ 1.05 

Pickle Mfrs. 1.57 

Piping, flexible, not metal, for interior 
work in buildings to carry electric 

wires — Mfrs. 1.75 



(82) 



MISCELLANEOUS SCHEDULE — RATES — Continued. 
Classification. Rate. 

Plaster statuary and ornaments, manu- 
facturing from wooden moulds 1.14 

Pneumatic Tube Companies — operation 

only 1.31 

Policemen 5.09 

Poultry Food Mfrs 2.97 

Printers' Rollers, Mfrs 1.75 

Produce Dealers — buying, packing or 
otherwise preparing for shipment and 
transportation to centers for distribu- 
tion, general produce, using stores or 
buildings temporarily for receiving, 
packing, and shipping, but operating 
no warehouses and employing no means 
of transportation except teams (teams 
to be written under separate policy at 
Manual) 1.98 

f Railroad Hazard— Mfrs.' and Contrac- 
tors' risk 11.20 

t Railroad — steam, operation of same, in- 
cluding ordinary maintenance and re- 
pair of roadbed. Such roads when 
not more than 50 miles long, not inter- 
state, when used for transportation of 
passengers and freight, and when oper- 
ated with grades not to exceed 100 feet 
to the mile, may be written for Com- 
pensation Coverage only, the pay roll to 
include all employees, not excepting 
office men 11.20 

(83) 



MISCELLANEOUS SCHEDULE— RATES— Continued. 
Classification. Rate. 

Koofing, Felt — preparation of — not mfg. 

(not paper) _____: „__ 1.75 

Rope Mfrs. __„ 3.60 

Salesmen (outside), collectors and mes- 
sengers who use a vehicle drawn by 
animals or propelled by mechanical 
power in the performance of their 
duties shall be classified and rated 
either as drivers or chauffeurs, in ac- 
cordance with the rules provided in the 
Manual. 
Salesmen (outside), collectors and mes- 
sengers who do not perform their duties 
upon any vehicle except public vehicles, 
and who are not exposed to the me- 
chanical hazard of the risk .21 

Sales Stables — including exhibition and 

delivery of horses 6.47 

Salt Mfrs. (not mining or sinking wells) 1.89 

tSalvage Corps and Fire Patrol 4.32 

Seed Merchants, including the operation 

of seed sorting machinery 1.19 

Sewage Disposal Plants, care and main- 
tenance of, excluding new construction 

work 2.52 

Shoe and Harness Blacking Mfrs.- 1.57 

Silver Platers 1.57 

Size Mfrs. - 1.57 

Spice Mills .87 

Sporting Goods Mfrs 1.05 

(84) 



MISCELLANEOUS SCHEDULE — RATES — Continued. 
Classification. Rate. 

Stablemen, inside stable walls only (not 
selling) 5.09 

Starch Mfrs. 6.47 

Steam Heating or Power Companies (no 
electricity or construction — op er ation 
of plant only) 3.15 

Stock Farm — operating 1.57 

Stones, Precious — cutting, setting and 
polishing (see Lapidaries). 

Storage Yards for wagons and trucks (see 
Stablemen). 

Stove Polish Mfrs 1.57 

Street Railroad Companies — cable. 7.40 

Street Railroad Companies — electric, all 

systems, not interurban 5.55 

Street Railroad Companies (dummy en- 
gines) 11.10 

Street Railroad Companies (electric) in- 
terurban 13.87 

Sugar Refiners — including all incidental 
work 3.60 

Surveying and Inspecting Engineer Work, 
including sharpening of stakes and 
other shop work incident to surveying 
and inspection of construction opera- 
tions (no actual construction operations 
of any description and no supervising 
or superintending of construction opera- 
tions). Not available for division of 
pay roll 2.70 

(85) 



MISCELLANEOUS SCHEDULE— RATES— -Continued. 

Classification. Rate. 

Tar Mfrs 2.52 

Taxidermist 1.14 

Thermometers — Clinical (no glass manu- 
facturing or metal working) .70 

Tortoise Shell Goods Mfrs. from natural 

tortoise shell exclusively 1.05 

Tortoise Shell Novelties — manufactured 

from real or imitation tortoise shell 1.14 

Towel and Toilet Articles — distributing 

(excluding laundry and teams hazard) _ 2.16 

Truckmen . 1.50 

Twine (binder) and Cord Mfrs. (not 

cordage) 2.16 

Undertakers 1.75 

Upholsterers (not furniture or cabinet- 
makers) .87 

Vinegar Mfrs. 1.57 

Washer (all kinds) Mfrs 2.34 

Water Works — (operating only — no con- 
struction work) 2.25 

Welsbach Incandescent Mantel Mfrs 1.57 

Whalebone Goods Mfrs 1.31 

Whip Mfrs. 1.05 

Window Curtain Roller Mfrs 1.98 

Wine Mfrs. .-_ 1.57 

Wire Insulation for Electrical Purposes. 1.75 

Wood Preserving and Fireproofing 5.18 



(86) 



12 



OILS, ETC., SCHEDULE— RULES. 

Minimum Premium. — $1.50. 
Bead General Rules. 

OILS, ETC., SCHEDULE— RATES. 

Classification. Rate. 

Axle Grease Mfrs 1.75 

Butter and Butterine Mfrs 1.31 

Candle Mfrs. 1.75 

Castor Oil Mfrs 2.62 

Cheese Mfrs. 1.31 

Cod Liver Oil Mfrs.____ 2.62 

Cold Cream Mfrs 1.14 

Condensed Milk Mfrs 1.49 

Cottolene Mfrs. 2.62 

Cottonseed Oil Mfrs. — including refining. 6.12 
Cottonseed Oil Refiners (refining only, no 

manufacturing or expressing of oil) 2.62 

Creameries 1.31 

Dairies 1.31 

Fat Rendering (see Grease Mfrs.). 

Gasoline Mfrs. 3.50 

Glycerine Mfrs. 1.49 

Grease Mfrs. 1.75 

Lard Refiners 1.75 

Linseed Oil Mfrs 3.50 

Oil Cake Mfrs 2.62 

Oil (petroleum) Refiners (not gasoline)-- 2.62 

Oil (fish) Mfrs 2.62 

Oil (lard) Mfrs 2.62 

Oil (tallow) Mfrs 2.62 

Oil (vegetable) Mfrs 2.62 

(87) 



OILS, ETC., SCHEDULE— RATES— Continued. 

Classification. Rate. 

Oleomargerine Mfrs. 1.31 

Soap Powder Mfrs 1.75 

Soap Mfrs 1.75 

Tallow Chandlers 1.75 

Wax Mfrs. 1.31 



(88) 



ORE REDUCTION AND CONCENTRATION 
SCHEDULE— RULES. 

Minimum Premium. — $1.88. 
Bead General Rules. 

ORE REDUCTION AND CONCENTRATION 
SCHEDULE— RATES. 

Classification. - Rate. 

Aluminum Smelting 2.97 

Blast Furnaces 9.00 

Carbide of Calcium Mfrs 5.40 

Carborundum Mfrs. 3.15 

Charcoal Mfrs. 2.43 

Coke Burners 2.16 

Copper Refiners (no ore reduction) 2.25 

Copper Smelters 2.97 

Gold Reduction 2.97 

Gold Refiners (no ore reduction) 2.25 

Gold Smelters 2.97 

Graphite and Pure Carbon (artificial) 

Mfrs. 2.70 

Iron Smelters 9.00 

Lead Smelters 2.97 

Metal Matte 2.97 

Ore Crushers 3.15 

Ores — concentrating and amalgamating 3.15 

Quartz Mills 3.15 

Silver Reduction 2.97 

Silver Refiners (no ore reduction) 2.25 

Silver Smelters 2.97 

Smelters (not otherwise classified) 9.00 

Smelters (by electric process) 2.97 

Tin Smelters 2.97 

Zinc Smelters 2.97 

(89) 



PAPER SCHEDULE— RULES. 

Minimum Premium. — $1.50. 
Read General Rules. 



PAPER SCHEDULE— RATES. 

Classification. Rate. 

Bag Mfrs. : 

Paper only — no paper making 1.14 

Paper only — with paper making 1.66 

Bond Paper Mfrs. (as Writing Paper). 
Box Mfrs. : 

Mfrs. of Folding Paper Boxes only — 

no paper making 1.40 

With paper making 2.40 

Mfrs. of Solid Paper Boxes — no 

paper making 2.19 

With paper making 2.96 

Bristol Board Mfrs. (as Cardboard). 
Building and Roofing Paper Mfrs. — no 

paper making 1.75 

Carbon Paper Mfrs. — no paper making .87 

Carpet Lining and Pads Mfrs. — no paper 

making 1.31 

Cardboard Mfrs. — no pulp mill 2.50 

With pulp mill (as Pulp and Paper 
Mfrs.). 
Check Mfrs. (as Tag, Check or Label). 
Cigarette Paper Mfrs. (as Paper Mfrs.). 
Cork Paper Mfrs. — no paper manufac- 
turing .96 



(90) 



PAPER SCHEDULE— RATES— Continued. 

Classification. Rate. 

Corrugated Paper Mfrs. (as Paper Mfrs.). 

Dress Pattern Mfrs. : 

Paper only — including designers, 
draughtsmen, cutters, and all clerical 
force — no paper making .70 

Envelope Mfrs. (as Stationery). 

Fiber Goods Mfrs. — no fiber making 2.50 

Fly paper Mfrs. — no paper making .96 

Imitation Leather Mfrs. (as Wall Paper 
Mfrs.). 

Indurated Fiber Mfrs. (as Pulp and 
Paper Mfrs.). 

Label Mfrs. (as Tag, Check or Label 
Mfrs.). 

Lace and Ornamental Paper Mfrs. — no 

paper making .96 

Ledger Paper Mfrs. (as Writing Paper 
Mfrs.). 

Music Rolls, for Piano Players (perfor- 
ated paper) Mfrs. — no paper making .70 

Oiled, Paraffined or Waxed Paper Mfrs. — 
no paper making .96 

Paper Mfrs. (all kinds except writing 
paper and cardboard) : 

No saw or barking mills, and no sul- 
phite or other fibrous pulp making 3.24 

With saw or barking mills, but no 
sulphite or other fibrous pulp making 3.88 

Paper and Pulp Mfrs. (as Pulp and Paper 
Mfrs.). 

(91) 



PAPER SCHEDULE— RATES— Continued. 

Classification. Rate. 

Paper Board Mfrs. — no pulp mill 2.50 

With pulp mill (as Pulp and Paper- 
Mfrs.). 

Paper Coating and Finishing 1.14 

Paper Cutting for packing purposes .96 

Papier Mache Goods Mfrs.— no paper or 

wood pulp making (no car wheels) 2.50 

Playing Cards Mfrs. — no paper or card- 
board making .96 

Pulp and Paper Mfrs. — no saw or bark- 
ing mills, and no sulphite or other 

fibrous pulp making 3.24 

With saw or barking mills, but no 
sulphite or other fibrous pulp making- _ 3.88 

Pulp Liquor Mfrs. — treatment of Pulp 
Mill Waste for commercial use as road 
binder and saturator (not available to 
Pulp Mfrs.) 2.19 

Pulp Mills — ground wood pulp only, from 
"pulp wood" to "lap," no saw or bark- 
ing mills 3.24 

Ground wood pulp only, including 

saw or barking mills 3.88 

Sulphite or other fibrous pulp pro- 
cesses, with saw and barking mills, if 
any . 5.18 

Sand Paper Mfrs. — no paper making 1.49 

Stationery Mfrs. — no paper making .79 



(92) 



PAPER SCHEDULE RATES — Continued. 

Classification. Rate. 

Straw Board Mfrs. (as Pulp and Paper 
Mfrs.). 

Tag, Check or Label Mfrs. — paper or 

cardboard only — no paper making 1.14 

Tissue Paper Mfrs. — not toilet paper — 

(as Pulp and Paper Mfrs.). 
Toilet Paper Mfrs. (as Pulp and Paper 

Mfrs.). 
"Wall Paper Mfrs. — paper making only 

(as Pulp and Paper Mfrs.). 
Designing, printing and finishing only — 

no paper making .87 

Writing Paper Mfrs _ 1.14 



(93) 



POTTERY AND GLASS SCHEDULE— RULES. 

Minimum Premium. — $1.50. 
Read General Bides. 



POTTERY AND GLASS SCHEDU LE— RATES. 

Classification. .. Rate 

Bottle Mfrs .87 

Brick Mfrs. — including construction and 
reconstruction of sheds and kilns if 
done by assured 's employees, also in- 
cluding clay digging and quarrying (no 
underground mining) 2.62 

f Brick Mfrs. — including construction and 
reconstruction of sheds and kilns if 
done by assured 's employees, also in- 
cluding underground mining 3.94 

Cathedral and Art Glass Window Mfrs., 
with or without glass making .79 

China Decorating, including firing — no 
manufacturing. Not available for divi- 
sion of pay roll .79 

China Mfrs. .35 

Concrete Hollow Block Mfrs 1.49 

Doll (bisque or china) Mfrs .52 

Earthenware (tiling, gas retorts, sewer 
pipe, and drain pipe) Mfrs. (no under- 
ground mining) 2.19 

tEarthenware (tiling, gas retorts, sewer 
pipe and drain pipe) Mfrs. (including 
underground mining) 3.94 

Earthenware (household utensils and art 

objects) Mfrs. .35 

(94) 



13 



POTTERY AND GLASS SCHEDULE— RATES— Cont. 
Classification. Rate. 

Fire Clay Products Mfrs. (no under- 
ground mining) 2.19 

tFire Clay Products Mfrs. (including un- 
derground mining) :_1 3.94 

Glass (plate or window) Mfrs. (no 

quarrying or excavating) 2.19 

Glass Mfrs. (no plate or window glass 

manufacturing) .87 

Glass (cut) Mfrs .79 

Glass Eye Mfrs .52 

Glass Sign Mfrs. (no glass making) 1.05 

Marl Mfrs. (including digging, hauling, 

drying and grinding) 3.06 

Mirror Mfrs. — no glass making 1.14 

Peat Fuel Mfrs 3.06 

Pipe — Clay (tobacco) Mfrs .52 

Plate or Window Glass Mfrs. (no quarry- 
ing or excavating) 2.19 

Porcelain Ware Mfrs .35 

Potteries — flower pots, art and household 
utensils only (no sewer or drain pipe, 

no mining or excavating) .35 

Potteries (tiling, gas retorts, sewer and 
drain pipes) Mfrs. (no underground 

mining) __„ . 2.19 

t Potteries (tiling, gas retorts, sewer and 
drain pipes) Mfrs. (including under- 
ground mining) 3.94 

Stone China Mfrs —„ „„— .35 



(95) 



POTTERY AND GLASS SCHEDULE— RATES— Cont. 

Classification. Rate. 

Terra Cotta Mfrs. (art terra cotta for 
decorative purposes, no mining or exca- 
vating). This classification does not 
include the manufacture of terra cotta 
for structural use whether decorative or 
otherwise .35 

Terra Cotta Mfrs. (no underground min- 
ing) 2.19 

tTerra Cotta Mfrs. (including under- 
ground mining) 3.94 

Tile (for decorative purposes) Mfrs. (no 

mining or excavating) .35 

Tile (roof and drainage) Mfrs. (no 

underground mining) 2.19 

tTile (roof and drainage) Mfrs. (includ- 
ing underground mining) 3.94 



(96) 



PRINTING SCHEDULE— RULES. 

Minimum Premium. — $.75. 
Read General Rules. 



PRINTING SCHEDULE— RATES. 

Classification. „ Rate. 

Artists, Designers, Proofreaders, editors, 
reporters, advertising and circulation 
solicitors and clerical office force — 
classification available for division of 
pay roll to Newspaper Offices, Printers 

and Publishers .16 

Bookbinders .87 

Electrotypers .87 

Engravers .87 

Hand Printers .87 

Lithographers .87 

Newspaper Offices .87 

Photo Engravers .87 

Printers — hand .87 

Printers — steam .87 

Publishers .87 



(97) 



RUBBER AND COMPOSITION GOODS SCHEDULE 
—RULES. 

Minimum Premium. — $1.50. 
Bead General Rules, 



RUBBER AND COMPOSITION GOODS SCHEDULE 
—RATES. 

Classification. Rate. 

Button (celluloid) Mfrs 2.25 

t Celluloid Mfrs 9.00 

Comb (hard rubber — no celluloid) Mfrs._ 1.53 

t Composition Goods containing celluloid- 9.00 

tCorraline Mfrs. 9.00 

tFibroid Mfrs. 9.00 

Gutta-Percha Mfrs. 1.80 

fLignoid Mfrs. 9.00 

Rubber Belting Mfrs 1.80 

Rubber Boot and Shoe Mfrs 1.80 

Rubber Cement Mfrs 1.80 

Rubber Goods Mfrs. (not otherwise classi- 
fied) 2.25 

Rubber Garments (no rubber mill) Mfrs. 1.80 
Rubber Reclaiming Operations, including 
loading and unloading materials and 

products to and from cars and wagons. 4.68 
Rubber Reclaiming Operations, including 
loading and unloading materials and 
products to and from cars and wagons 

— no benzine, naphtha or gasoline used 3.15 

Rubber Stamp Mfrs .90 

Rubber Tire Mfrs 2.70 

Vulcanized Rubber Mfrs 2.70 

Waterproofing Cloth 1.80 

(98) 



STEVEDORE SCHEDULE— RULES. 

Minimum Premium. — $3.00. 

Additional Interest. — Policies issued upon 
stevedores under this schedule may be ex- 
tended to cover a named steamship com- 
pany, employing such stevedores, the insur- 
ance being limited to the care and defense 
of suits and to the payment of premium 
upon forthcoming bonds, in the event of 
libel. The undertaking shall be limited to 
injuries resulting solely from the operations 
of the stevedore covered by the policy, and 
the policy shall contain no obligation to 
pay any resulting judgment against the 
steamship company. Additional rate for 
this coverage on both policies shall be 10 
per cent of the Manual rates for the classi- 
fication involved. 

If, in addition to the extension described 
above, the policy shall be further extended 
to cover the payment of judgment against 
the steamship company, within the limit of 
the policy, additional rate for such coverage 
on Compensation policies shall be 25 per cent 
of the Manual rates applicable to the classi- 
fication involved. 

The foregoing rule is only available when 
the policy of the stevedore is carried in the 
Fund. 

Bead General Rules. 



(99) 



STEVEDORE SCHEDULE— RATES. 

Classification. Rate. 

Grain Elevators —Floating (operating 
only) ____„__:_„-_„_____-__.-_-.__ 4.62 

Roustabouts — River and Sound Steam- 
boats (not seagoing or lake vessels) 4.62 

Steamship Agents — Wharf Employees 
(clerks and tallymen only when all 
stevedore work is let out by contract)- .78 

Steamship Agents — Wharf Employees 
(clerks and tallymen only when steve- 
doring work is done by insured) .78 

Steamship Agents — Wharf Employees 

(stevedores and freight handlers) 7.40 

Stevedores or Lumpers — handling gen- 
eral freight, seagoing and lake vessels- 7.40 

Stevedores or Lumpers — handling ore and 

coal or either of them exclusively 7.40 

Stevedores or Lumpers — river and sound 
steamers 4.62 

Weighers on Docks (when no stevedore 

work is done by insured) .78 



(100) 



STONE SCHEDULE— RULES. 

Minimum Premium. — For all risks in this Sched- 
ule involving any quarry work, with or 
without blasting, $3.00. For all other 
classifications, $1.88. 

Pay Roll. — All employees in or about any 
quarry, or quarry operations, including 
foremen, teamsters, scabblers, drillers and 
laborers (but not including stone cutting 
outside of quarry), as well as all concerned 
in blasting operations, shall be included in 
the quarry pay roll and at the full quarry 
rate. 

Employees engaged in stone cutting on 
the quarry banks or adjacent thereto but 
who do not enter the quarry may be classi- 
fied and rated as provided in this schedule 
for a stone yard. 

Stripping pay roll in connection with 
marble and stone quarries is incidental to 
the quarry and should take the quarry rate. 
It is not proper to divide the pay roll and 
apply a lower rate to the stripping opera- 
tions. 

Blasting. — All rates in this schedule include 

blasting, if any. 
Bead General Rules. 

STONE SCHEDULE— RATES. 

Classification. Rate. 

Adamant Plaster Mfrs. (no quarrying)-- 3.15 
Barytes Mfrs. (no quarrying) — 2.52 

(101) 



STONE SCHEDULE— RATES— Continued. 
RATE S— Continued. 

Cement Mfrs. (no quarrying) 5.04 

t Cement Mfg. and quarrying with or 

without blasting 6.30 

t Cement Quarries, with or without blast- 
ing 7.65 

Emery Works — crushing and grinding 

only (no quarrying) 2.52 

Flint and Spar Grinders (no quarrying) _ 2.52 

Grindstone Mfrs. (no quarrying) 2.25 

Hone and Oil Stone Mfrs 2.16 

Lime Burners (no quarrying) 3.15 

tLime Quarries, with or without blasting- 7.65 
tLime Quarries, with or without blasting, 

including stone crushing 6.30 

Lithographic Stone Mfrs. (no quarrying) 1.80 

Lithoid Mfrs. (no quarrying) 1.80 

Mantel (marble or slate) Mfrs. (no 

quarrying) 1.35 

Marble Cutters and Polishers (no quarry- 
ing) 1.35 

Millstone Mfrs. (no quarrying) 2.25 

Mortar Mfrs. (no quarrying) 3.15 

Plaster Mills (no quarrying) 3.15 

Plaster Mixing or Staff Mfrs., mixing dry 
plaster with hair, no crushing or grind- 
ing 2.43 

t Quarries, with or without blasting. Blue- 
stone, granite, or mable for monumental 
or building purposes (no quarrying for 
dam or bridge work) 6.30 

(102) 



14 



STONE SCHEDULE— RATES— Continued. 

Classification. Rate. 

t Quarries (not lime or cement) with or 
without blasting (not otherwise classi- 
fied) 8.10 

Sewer Pipe Mfrs. (reinforced concrete 
only), including all men on -ground en- 
gaged in manufacturing, no laying of 

pipes 2.25 

Silica Grinding (no quarrying) 2.52 

t Slag, Excavation of, and loading on cars, 

with or without blasting 9.80 

Slate Mfrs. (no quarrying) 1.98 

f Slate Quarries — with or without blasting 7.20 

Soapstone Mfrs. (no quarrying) 1.80 

f Stone Crushers (not lime stone), includ- 
ing quarrying, with or without blasting 6.75 

Stone Crushers (no quarrying) 3.15 

Stone Cutters and Polishers (yard work 

only) 1.35 

Stone Yard (no quarrying), including 
stone fitters sent out from yard to fit 
cut stones properly on job (no setting 

of stone) ■ 1.98 

Note. — If employees sent out from 
stone yards to fit cut stones properly 
on job, also set the stones, the entire 
pay roll of such fitters and setters 
shall be included under and rated the 
same as " Marble and Stone Setters'' 
— see Contractors' Schedule. 
Talc Mills (no quarrying) 2.25 

(103) 



TEXTILE SCHEDULE— RULES. 

Minimum Premium. — $1.50. 
Bead General Rules. 



TEXTILE SCHEDULE— RATES. 

Classification. Rate. 

Absorbent Cotton Mfrs 1.05 

Artificial Feather and Flower Mfrs .52 

Awning and Tent Fabric Mfrs. (shop 
only) — no manufacturing of wooden 

pegs or iron frames 1.57 

Note. — This classification not to be 
used for division of pay roll purposes 
and not to be used if assured engages 
in erection of awnings and tents. 
Where both shop and outside opera- - ; 

tions are involved, see "Awning and 
Tent Mfrs. — shop and erecting" — 
Miscellaneous Schedule. 

Badge (silk or worsted) Mfrs .87 

Bag (burlap, sacking) Mfrs. — weaving__ 2.10 

Bag Mfrs. (sewing only) .87 

Bleacheries 1.75 

Bonnet Frame Mfrs. (no wire manufac- 
turing) .52 

Braid Mfrs. (not embroidery mfrs.) .87 

Bunting Mfrs. .87 

Burlap and Sack Mfrs 2.10 

Calico Printers 1.57 

Canvas Belting Mfrs 1.57 

' <104) 



TEXTILE SCHEDULE— RATES— Continued. 

Classification. Rate. 

Caps, Mf rs. of , cloth only, sewing machine 

risk .52 

Carding and Fulling Mills .87 

Carpet Mfrs. .87 

Cloak Mfrs. 1 .52 

Clothing Mfrs. .52 

Cloth Spongers 1.31 

Collar and Cuff Mfrs. — including laundry .44 

Corset Mfrs. .52 

Cotton Batting Mfrs 4.72 

Cotton Spinners .79 

Cotton Weavers .79 

Dressmakers .52 

Duck Cloth Mfrs 1.57 

Dyers of Textiles— new goods (not Dyers 

and Cleaners) 1.75 

Embroidery Mfrs. .52 

Feather Pillow Mfrs .63 

Feather and Flower (artificial) Mfrs .52 

Felting Mfrs. 1.57 

Finishers of Textiles — new goods (same 

as Dyers). 

Flax Mills 1.57 

Fringe and Braid Mfrs. (not embroidery 

mfg.) .87 

Fulling Mills .87 

Fur Goods Mfrs. (not preparing skins) _ .52 

Furnishing Goods Mfrs .52 



(105) 



TEXTILE SCHEDULE— RATES— Continued. 

Classification. Rate. 

Garment Mfrs. — see Clothing Mfrs. 
Glove and Mitten (silk, woolen or thread) 

Mfrs. — --„„„„-„„.-„„„„ .63 

Hair Cloth Mfrs. 1.31 

Handkerchief Mfrs. — no weaving .52 

Hat (straw) Mfrs .52 

Hat (not straw) Mfrs., including mould- 
ing and manufacturing of felt .70 

Horse Blanket Mfrs 1.57 

Hose (cotton) Mfrs 1.57 

Hosiery Mfrs. .70 

Hosiery Mfrs. (from cop yarn— no yarn 

mfg.) .58 

Jute Mfrs. 3.15 

Knitting Mills .70 

Knitting Mills (from cop yarn — no yarn 

mfg.) .58 

Lace Mfrs. .52 

Linen Mfrs. .70 

Mat and Matting Mfrs 1.31 

Mattress Mfrs. (no spring or wire work 

or excelsior mfg.) 1.40 

Mercerizing Cotton Goods 1.75 

Millinery Mfrs. .52 

Necktie Mfrs. — .52 

Net — not wire (no cordage or twine mak- 
ing) .96 

Plush and Velvet Goods Mfrs .70 

Quilt Mfrs .96 

Ribbon Mfrs. .44 

(106) 



TEXTILE SCHEDULE— RATES— Continued. 

Classification. Rate. 

Rug Mfrs. .87 

Sail Makers .87 

Shade Cloth Mfrs 1.57 

Shirt Mfrs. — including laundry .44 

Shoddy Mfrs. 4.72 

Shoe String Mfrs. .87 

Silk Mfrs. .44 

Silk Thread Mfrs .44 

Steam Packing Mfg. (not metal) 1.75 

Straw Hat Mfrs .52 

Stuff and Woolen Dyers — in connection 

with textile mfrs 1.75 

Suspender Mfrs. .87 

Tailors .52 

Thread (cotton or linen) Mfrs .70 

Thread (silk) Mfrs .44 

Typewriter Ribbon Mfrs .87 

Umbrella Mfrs. 1.05 

Upholstery Fabric Mfrs .79 

Upholstery Trimmings Mfrs .79 

Wadding and Waste Mfrs 4.72 

Webbing Mfrs. (elastic or non-elastic) __ .87 

Wicking Mfrs. 1.05 

Window Shade and Cloth Mfrs. — making 

and mounting .61 

Wool Combers 1.05 

Wool Extract Mfrs. (chemical separation 

of wool from cotton) 1.75 

Wool Spinners, excluding shoddy mfrs. — .79 

Wool Weavers, excluding shoddy mfrs.__ .79 

(107) 



TEXTILE SCHEDULE— RATES— Continued. 

Classification. Rate. 

Woolen Dyers — in connection with textile 
mfrs. 1.75 

Yarn Finishing — no manufacturing of 
yarn (putting silk finish on and wind- 
ing on spools) .52 

Yarn Mfrs. .79 



(108) 



TOBACCO SCHEDULE— RULES. 

Minimum Premium. — $1.50. 
Bead General Rules. 



TOBACCO SCHEDULE— RATES. 

Classification. Rate. 

Cigar and Cigarette Mfrs .52 

Tobacco (chewing, smoking, plug and fine 

cut) Mfrs. .63 

Tobacco (snuff) Mfrs .63 

Tobacco Mfrs. (not otherwise classified). .63 



(109) 



VESSEL SCHEDULE— RULES. 

Minimum Premium. — $1.50. 
Bead General Rules. 



VESSEL SCHEDULE— RATES. 

Rates in this schedule include the Collision haz- 
ard. Policies will not be issued to exclude 
Collision hazard. 

Classification. Rate. 

tBargemen and Lightermen 5.00 

tBarge and Canal Boatmen — crews only 

— no loading and unloading 4.00 

tFerry Companies 4.00 

t Fishing Vessels, including fish curing, 

packing and dealing 4.00 

t Ocean and Coastwise Sailing Vessels 4.00 

t Ocean and Coastwise Steamers 4.00 

t Ocean and Coastwise Tugboats — towing- 4.50 
tEiver and Sound Steamers and Sailing 

Vessels 4.50 

t Supply Boats — supplying water or gaso- 
line for shipping 4.50 



(110) 



15 



WAREHOUSE AND STORE SCHEDULE— RULES. 

Minimum Premium. — $.75. 
Read General Rules. 



WAREHOUSE AND STORE SCHEDULE— RATES. 

Classification. Rate. 

Agricultural Implement Stores (no manu- 
facturing) 1.10 

Apartment Hotel and Hotel Apartment 

(excluding laundry) 1.31 

Apartment Houses 1.31 

Asylums, including pay roll of entire staff 
(excluding injuries to patients due to 
negligence of professional attendants)- 1.31 

Athletic Clubs 1.31 

Auctioneers (to cover wherever goods are 

auctioned) 1.31 

Barbers .52 

Barbers' Supplies (no manufacturing) .52 

Bathing House Employees 1.66 

Baths (excluding injuries to customers 
due to negligence of professional at- 
tendants) 1.31 

Billiard and Bowling Halls 2.89 

Billiard Halls — no bowling alleys 1.92 

Bowling Halls 3.76 

Bottles (second-hand), Dealers in 4.55 

Butchers — meat or provision stores (no 
manufacturing, slaughtering or render- 
ing) .61 

(in) 



WAREHOUSE AND STORE SCHEDULE— RATES— 
Continued. 

Classification. Rate. 

Butchers' Supplies (no manufacturing). .61 

Carriage Repositories and Salesrooms .52 

Clerical Office Employees in manufactur- 
ing plants .21 

Note. — It being understood that 
this classification shall include only 
those whose duties are confined to 
keeping the books of the assured, con- 
ducting correspondence, or engaged 
wholly in the office where such books 
are kept or correspondence con- 
ducted, and who have no duty of any 
other nature in or about the assured 's 
premises. 
Clerical Office Employees not in manu- 
facturing plants .16 

Clothing Store, Wholesale or Retail, with 

or without manufacturing .52 

Club Houses (not athletic, country, or 

yacht club) .65 

Cold Storage Warehouses 2.19 

Colleges, except pay roll of professors and 
teachers, for which see page 115. 

All employees engaged in care, cus- 
tody, and maintenance of premises, in- 
cluding elevator attendants .1.31 

Clerical office employees .16 

Cotton and Woolen Clipping, new goods 
only (dealers in, and baling, not rag 
and paper stock dealers) 1.31 

(112) 



WAREHOUSE AND STORE SCHEDULE — RATES — 
Continued. 

Classification. Rate. 

Counter Lunch Room_ 1.31 

Country Clubs 1.31 

Dentists .52 

Department Stores .65 

Note. — This classification shall also 
apply to 5 and 10 cent stores, or 
stores advertising merchandise for 
sale at a maximum or minimum 
stated price. 

Dry Goods Stores (no manufacturing) .61 

Exhibitions — Agricultural, Horticultural 
or Industrial in parks or other ground 
enclosures : 

Employees engaged in the care, cus- 
tody, and maintenance of premises, ex- 
cluding those engaged in the operation 
of merry-go-rounds, swings, roller-coast- 
ers and other amusement devices 1.14 

Employees engaged in the care, oper- 
ation and maintenance of merry-go- 
rounds, swings, roller-coasters, and 

other amusement devices 15.14 

Exposition Building Employees 1.14 

Furniture Dealers (store only) .52 

Glass Merchants, including operations of 
bending, grinding, bevelling, and silver- 
ing plate glass .87 



(113) 



WAREHOUSE AND STORE SCHEDULE— RATES— 
Continued. 

Classification. Rate. 

Grain Elevators (line), including any or 
all of the following operations : 

Dealers in Coal and Wood, Wire 
Fencing, Agricultural Implements, 
Hay, Grain, and Feed and Lumber 

Yard 1.75 

Grain Elevators — line or terminal 2.19 

Hardware Stores (no manufacturing) .52 

Hay, Straw and Feed Dealers 1.31 

Hide and Leather Dealers 1.31 

Hospitals, including pay roll of entire 
staff (excluding injuries to patipnts 
due to negligence of professional at- 
tendants) .61 

Hospitals — Veterinary 5.25 

Hotels (excluding laundry) .87 

Importers and Dealers in Goat and Sfreep 

skins .61 

Iron Merchants (not junk or scrap iron 

or hardware dealers) 1.31 

Jewelry Stores — wholesale or retail or 

both, all employees .44 

Junk Dealers (shop and yard) 10.50 

Ladies' Hairdressing and Manicuring .52 

Leather and Hide Dealers (no mfg.) .52 

Machinery Dealers — store only, no manu- 
facturing 1.10 

Malt Houses 1.75 



(114) 



WAREHOUSE AND STORE SCHEDULE— RATES— 
Continued. 

Classification. Rate. 

Marketmen — including meat and provi- 
sion store (no manufacturing, slaught- 
ering, or rendering) .61 

Mercantile or manufacturing premises 
variously occupied by persons other 
than the owner, not otherwise classified 
(owner's risk only) 1.75 

Milk Dealers — store or depot only .61 

Office Buildings : 

Pay roll to include elevator attend- 
ants and all other employees engaged 
in care, custody, and maintenance of 

premises 1.3 

Clerical office employees .16 

Paper and Rag Stock Dealers — handling 
new paper waste from publishers, 
printers, lithographers, etc., or handling 
new cloth clippings from manufactur- 
ing establishments (no handling of 
junk, old rags, or old paper) 2.36 

Photographers — Studio work (not pro- 
ducing moving pictures) .52 

Poultry Dealers, Wholesale or Retail (in- 
cluding killing of poultry) .61 

Professors and teachers in schools and 
colleges (not veterinary nor manual 
training) .16 

Professors, teachers and assistants, 
manual training schools .87 

(115) 



16 



WAREHOUSE AND STORE SCHEDULE— RATES— 
Continued. 

Classification. Rate. 

Professors, teachers and assistants, veter- 
inary colleges .87 

Public Libraries : 

All employees engaged in care, cus- 
tody and maintenance of premises, in- 
cluding elevator attendants 1.31 

Librarian, assistant librarian, and all 

clerical assistants .16 

Public Museums of Art or Natural His- 
tory: 

All employees engaged in care, cus- 
tody and maintenance of premises, in- 
cluding elevator attendants 1.31 

Curator, assistant curator, and all 

clerical assistants .16 

Public Picture Galleries: 

All employees engaged in care, cus- 
tody, and maintenance of premises, in- 
cluding elevator attendants 1.31 

Curator, assistant curator, and all 

clerical assistants .16 

Rag and Paper Stock Dealers 8.75 

Real Estate Employees, outside of office, 
including collectors, no construction 

work .87 

Restaurants .87 

Retail Stores (not otherwise classified) __ .35 
Rubber Stock Dealers — receiving, hand- 
ling, baling and shipping old rubber 
Stock 2.J9 



WAREHOUSE AND STORE SCHEDULE— RATES— 
Continued. 

Classification. Rate. 

Rubber Tire Dealers — sale, repair, and 
vulcanizing, including adjustment of 
tires to vehicles away from premises 

of assured * 2.19 

Schools, except pay roll of professors and 
teachers, for which see page 115. 

All employees engaged in care, cus- 
tody, and maintenance of premises, in- 
cluding elevator attendants 1.31 

Clerical office employees .16 

Schools and Colleges — employees engaged 
in care and ^maintenance of buildings 
and grounds, excluding Farm and Con- 
struction operations 1.31 

Clerical office employees .16 

Scrap-Iron Dealers (shop and yard) 10.50 

Ship Chandler Stores (no'mfg.) .52 

Shooting Galleries— not rifle ranges 3.27 

Skating Rinks, ice or roller 1.14 

Skins, Goat and Sheep — importers and 

dealers .61 

Storage (cold) 2.19 

Storage (baled cotton) 2.19 

Storage (furniture) 1.31 

Storage (grain) 2.19 

Storage — general merchandise (not other- 
wise classified) 2.19 

Store Risks, retail, exclusively (not other- 
wise classified) .35 

(117) 



WAREHOUSE AND STORE SCHEDULE— RATES— 
Continued. 

Classification. Rate. 

Store Risks, wholesale (not otherwise 
classified) .52 

Store Risks, wholesale and retail (not 

otherwise classified) .44 

Tailor Store, wholesale or retail, includ- 
ing cutting — with or without manufac- 
turing .44 

Tenements : 

All employees engaged in care, cus- 
tody, and maintenance of premises, in- 
cluding elevator attendants 1.31 

Clerical office employees .16 

Theater Companies. Rate applicable to 

players or entertainers only: 

(a) For operas, dramas, and comedies .61 

(&) For vaudeville, burlesque, farce, 

continuous performance, and moving 

pictures 1.40 

Theater Employees, including executives 
or managers (not stage managers), box 
office employees, ushers, and others not 
employed upon the stage .61 

Theater Employees with stage duties 1.40 



(118) 



16 



WAREHOUSE AND STORE SCHEDULE— RATES- 
Continued. 

Classification. Rate. 

Tobacco Rehandlers .52 

Warehouse, Private — used exclusively for 
storing surplus stock of the assured, 
and covered in connection with store or 
other sales place, to take the rate of 
such store or sales place. Not appli- 
cable to any form of warehousing or 
storing, for which specific rates are 
made in this schedule. 
Warehousemen (general merchandise, not 

otherwise classified) 2.19 

Wholesale Stores (not otherwise classified) .52 
Wholesale and Retail Stores (not other- 
wise classified) .44 

Wholesale or Retail Poultry Dealers (in- 
cluding killing of poultry) .61 

Wine and Spirit Merchants .87 

Wine and Spirit Merchants (retail) no 
bar on premises; liquor sold in pack- 
ages only .87 

Wool Merchants — office and warehouse- _ .61 

Yacht Clubs 1.31 

Y. M. C. A. and Y. W. C. A. Institutions 
— pay roll must include all teaching, 
preaching and operative foFce______^ ; 44 



(119) 



WOOD SCHEDULE— -RULES. 

Minimum Premium. — $1.88. 
Read General Bides. 



WOOD SCHEDULE— RATES. 

Classification. Rate. 

Barbers' Supplies (including furniture 

manufacturing) 2.25 

Barrel Mfrs. — making heads, hoops, 

staves, etc., and assembling 4.05 

Barrel Mfrs. — not making heads, hoops, 

staves, etc., assembling only 2.43 

Barrel (wood veneer) Mfrs 4.05 

Baseball Bat Mfrs 2.16 

Basket (willow ware) Mfrs 1.35 

Basket (wood veneer) Mfrs 4.05 

Basket (wood veneer) Mfrs. — not manu- 
facturing veneer or using machinery __ 2.43 

Bedstead (not Metal) Mfrs 2.25 

Bee Hive Mfrs 2.25 

Bellows Mfrs. 2.25 

Bent Wood Mfrs 1.80 

Billiard Table Mfrs., including setting up 

at place of delivery 2.25 

Block (pulley) Mfrs 2.70 

Bobbin and Spool (wood) Mfrs 2.43 

Broom Mfrs. (no sawmill) .72 

Broom Mfrs. (with sawmill) 2.70 

Brush Mfrs. (no sawmill) .72 

Brush Mfrs. (with sawmill) 2.70 

(120) 



WOOD SCHEDULE— RATES— Continued. 

Classification. Rate. 

Keg Mfrs., not making heads, hoops, 

staves, etc., assembling only 2.43 

Kindling Wood Mfrs 3.24 

Ladder Mfrs. 2.25 

Last Mfrs. 2.43 

Lead Pencil Mfrs .99 

Mantel (wood) Mfrs. (shop only) 2.25 

Mast and Spar Mfrs. (shop only) 3.60 

Musical Instrument Mfrs. (wood) 81 

Organ (cabinet or parlor) Builders, in- 
cluding the setting up at the place of 
delivery (not available for division of 

pay roll) .81 

Organ (pipe for churches) Builders, in- 
cluding the setting up at the place of 

delivery 2.43 

Pail Mfrs. 3.24 

Parquet Flooring Mfrs. (shop only) 2.25 

Pattern and Model (wood) Mfrs 2.43 

Peg and Skewer (wood) Mfrs 2.25 

Piano Mfrs., including the setting up at 

the place of delivery .81 

Piano Action Mfrs .81 

Piano Forte Case Mfrs .81 

Piano Keys Mfrs .81 

Piano Mfrs. — assembling of parts only .81 

Piano Players, Automatic — manufac- 
turing, installing, and repairing .81 

Picture Frame Mfrs 2.43 

(122) 



WOOD SCHEDULE— RATES— Continued. 

Classification. Rate. 

Cabinet Works (factory or factory and 

store) 2.25 

Cane (walking) Mfrs 1.80 

Canoe (wood) Builders (shop only) 2.25 

Carpenters (shop only) 2.25 

Carriage Wood Work Mfrs. (See rates 

"Wood Turners.'') 

Chair Mfrs 1.80 

Coffin and Casket (wood) Mfrs 2.25 

Coopers, making heads, hoops, staves, etc., 

and assembling 4.05 

Coopers, not making heads, hoops, staves, 

etc., assembling only 2.43 

Cork Cutting Works 2.88 

Crutch Mfrs. 1.80 

Fishing Rod Mfrs 1.53 

Furniture (factory or factory and store) 

mfg. and finishing 2.25 

Furniture, Chair, and Cabinet Works — 

assembling of manufactured parts and 

finishing only (on premises where no 

machinery is employed) 1.35 

Golf Clubs Mfrs 1.53 

Hat Block Mfrs 2.70 

Hot House Mfrs. (shop only) 2.25 

House (portable) Mfrs. (shop only) 2.25 

Incubator Mfrs. 2.25 

Joiners (in shop) 2.25 

Keg Mfrs., making heads, hoops, staves, 

etc., and assembling 4.05 

(121) 



WOOD SCHEDULE— RATES— Continued. 

Classification. Rate. 

Picture Frame Mfrs. (not operating 
moulding mill or manufacturing mould- 
ings) 1.80 

Picture Frame Mfrs. (no power machin- 
ery) 1.08 

Pipe Mfrs. — wood (tobacco) 1.44 

Pulley Block (wood) Mfrs 2.70 

Pump (wood) Mfrs 2.25 

Pyrographic Goods Mfrs 2.25 

Rattan Goods Mfrs 1.35 

Refrigerator Mfrs. (shop only) 2.25 

School Supplies Mfrs 2.25 

Screen Mfrs. (window or door) 2.25 

Shade Roller Mfrs. (including as- 
sembling) 1.80 

Showcase Mfrs. 2.25 

Spar and Mast Mfrs. (shop only) 3.60 

Spool (wood) Mfrs 2.43 

Tank (wood) Builders (shop only) 3.60 

Toy (wood) Mfrs 2.43 

Trunk (wood) Mfrs. — including metal 

frames and fittings 3.24 

Tub Mfrs. 3.24 

Turners (wood) 2.70 

Veener Package Mfrs. — fruit and vege- 
table baskets, butter dishes, etc., made 

from veneer (not veneer mfrs.) 2.70 

Veneer Seat Mfrs. (not veneer mfrs.) 2.70 

Washboard Mfrs 2.43 

(123) 



WOOD SCHEDULE— RATES— Continued. 

Classification. Rate. 

Washing Machine and Clothes Wringers 

Mfrs. _ 2.70 

Weather Strip Mfrs. (window or door)__ 2.16 

Wheelbarrow (wood) Mfrs 2.52 

Willow Ware Mfrs 1.35 

Windmill (wood) Mfrs. (shop only) 2.43 

Window Blind and Wood Shade Mfrs.__. 2.70 
Woodenware Mfrs. (not otherwise classi- 
fied) 2.70 

Wood Heel Mfrs 2.25 

Wood Mantel Mfrs 2.25 

Wood Tank Builders (shop only) 3.60 

Wood Turners 2.70 



(124) 



.LIBRARY OF CONGRESS 



0027292 868 A 








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